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Need more room for a bigger one-off cost? A Cash Stop personal loan gives you more to work with. Apply online in minutes and, once approved, get your funds fast. A past credit problem or Centrelink income doesn't automatically rule you out.¹
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
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More room for bigger costs, repaid over 12 to 20 months.¹
We look at your income today, not just your credit file.¹
Most completed applications get a same-day decision, and once approved¹ your money is usually sent within 30 minutes via NPP.**
For bigger costs that need longer to repay
A Cash Stop personal loan gives you more to work with than a small loan, and more time to pay it back. Borrow from $2,100 to $8,000 over 12 to 20 months,¹ with a repayment amount that stays the same from your first payment to your last.
Assessed on where you are now. We look at your current income, your regular expenses and what you can comfortably afford. Your credit history is part of the picture, not the whole picture, and Centrelink income is considered too.¹ See how it works.
A lender with a track record. Cash Stop has been lending since 2000 and holds Australian Credit Licence 389 433. Apply online in minutes, or talk to our team in person at one of our branches.
A personal loan is for a one-off cost that's too big for a small loan. Common reasons include:
Not for everyday expenses. A personal loan shouldn't be used for ongoing costs such as rent, food or utility bills. If those are becoming hard to manage, please contact us so we can talk through your options.
From application to cash in five simple steps
To apply you'll need to be at least 18, an Australian citizen or permanent resident, and receiving a regular income - including Centrelink payments. Have your phone, ID and bank details handy and you're ready to go.
Tell us how much you'd like to borrow and a few details about yourself. For most users, the form takes just a few minutes to complete from any device - there's no paperwork to print, sign or scan.
Securely share your bank statements online in seconds using our trusted, bank-grade verification partner. It's safe, read-only and saves you digging through paperwork - so we can assess your application faster.
We assess your application quickly and fairly. We check that the loan is suitable for you, meaning it meets your needs and objectives, and that you can afford the repayments on your current income without hardship. In most cases we can give you a decision the same day you apply.
Once you accept your contract, we transfer the funds straight to your bank account - usually within 30 minutes via NPP instant transfer.** Then it's yours to use for whatever you need.
**Usually within 30 minutes via NPP instant transfers.
See what a loan could cost you, with no hidden fees
| Borrow | Costs | Repay |
|---|---|---|
| $2,100 | $1,345 | $3,445 |
| $2,200 | $1,390 | $3,590 |
| $2,500 | $1,525 | $4,025 |
| $2,999 | $1,749 | $4,748 |
| Borrow | Costs | Repay |
|---|---|---|
| $3,000 | $1,750 | $4,750 |
| $3,500 | $1,975 | $5,475 |
| $4,000 | $2,200 | $6,200 |
| $4,600 | $2,470 | $7,070 |
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,650 | $7,650 |
| $6,000 | $3,100 | $9,100 |
| $7,000 | $3,550 | $10,550 |
| $7,500 | $3,775 | $11,275 |
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $160 | $660 |
| $1,000 | $320 | $1,320 |
| $1,500 | $480 | $1,980 |
| $2,000 | $640 | $2,640 |
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $220 | $720 |
| $1,000 | $440 | $1,440 |
| $1,500 | $660 | $2,160 |
| $2,000 | $880 | $2,880 |
EXAMPLE: A Personal loan of $2,500 for 13 months has fees and charges totalling $1,525. The Minimum loan term is 12 months and the Maximum loan term is 13 months. Maximum ACR of 44.95% and total repayments of $4,025. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $4,000 for 15 months has fees and charges totalling $2,200. The Minimum loan term is 15 months and the Maximum loan term is 16 months. Maximum ACR of 45.31% and total repayments of $6,200. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $5,000 for 19 months has fees and charges totalling $2,650. The Minimum loan term is 19 months and the maximum loan term is 20 months. Maximum ACR of 46.03% and total repayments of $7,650. The Comparison Rate, based on a loan of $10,000 over 36 months, is 25.35%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 6 months has fees and charges totalling $440 (1 x $200 + 6 x $40), resulting in a total repayment of $1,440. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
Our personal loans are priced differently to small loans. The cost has two parts:
For example, a $4,000 personal loan over 15 months has fees and charges totalling $2,200, so you'd repay $6,200 in total. Your contract shows your interest rate, comparison rate, every repayment and the total amount before you sign.
Only need $2,000 or less? A small loan may suit you better. Compare the example costs below for both before you choose.
This content was last reviewed on 15 October 2026By the Cash Stop compliance department.
It mainly comes down to how much you need. Small loans cover $200 to $2,000, cost a set establishment fee and monthly fee, and run for up to 12 months. Personal loans cover $2,100 to $8,000, cost a $400 establishment fee plus interest, and run for 12 to 20 months. If $2,000 or less will cover your cost, borrowing the smaller amount usually costs less overall.
Between $2,100 and $8,000.¹ The amount we can offer depends on your take-home income, your regular expenses, any other loans or credit cards you're repaying and the term you choose. We'll only approve an amount you can comfortably afford to repay.
Our personal loans have a fixed interest rate plus a one-off $400 establishment fee. The example costs on this page show the total fees and charges for a range of amounts and terms, along with the comparison rate. Your exact rate and total repayments are set out in your contract before you sign.
A $5,000 personal loan over 19 months has fees and charges totalling $2,650, so you'd repay $7,650 in total. The cost depends on how much you borrow and for how long, so check the example costs table for other amounts and terms.
Yes. Your repayment amount stays the same for the whole loan, so you always know what's coming out. Repayments are taken by automatic direct debit, matched to your pay cycle.
You can still apply. We put the most weight on what you earn now and whether the repayments fit your budget. If your application looks likely to be funded, we'll also check your credit history, but an old default isn't an automatic no.¹ We can't lend to anyone who is currently bankrupt or in a debt agreement.
A personal loan application may include a credit check. We do it later in the application, and only if your application looks likely to be funded. As part of responsible lending, that enquiry is recorded on your credit file. Lots of loan applications in a short time can count against you with some lenders, so it's best to apply only for the amount you need rather than applying with several lenders at once. If $2,000 or less will cover your cost, there's no credit check for our small loans.
Yes, it is possible. We count Centrelink payments as income when we assess your application,¹ and look at your whole budget to make sure the repayments sit comfortably alongside your other costs. We're a private lender with no connection to Centrelink or Services Australia.
Most of our personal loans are unsecured, so you don't need to offer your car or anything else you own as security. For larger amounts, security may be an option.
Yes. You can pay it out early at any time, with no early repayment fee. Call Online Loans on 1300 762 261 for an online loan, or Branch Services on 1300 644 957 for an in-store loan, and we'll give you the exact amount to close the loan.
Contact us as early as you can. If your circumstances have changed, for example through illness or losing work, you have the right to ask for a hardship arrangement, such as a temporary change to your repayments. See our Contact page for the best way to reach us.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Need money in a hurry? Apply online and, once approved¹, get your cash fast - often within 30 minutes**.
Small amounts from $200 to $2,000 for an unexpected bill or one-off expense.¹
Our fees, rates and terms spelled out - see what a loan could cost before you apply.
