Unexpected costs happen to all of us. It could be car repairs, helping family, a trip, school supplies for the kids or the unexpected bill. No matter the situation, if you find yourself short on cash and need a convenient cash loan to get you through, our Personal Loans can help.
We offer simple solutions from $500 to $5,000 over 3 to 24 months, with manageable payments.
The process is straight-forward, so you spend less time filling out forms and waiting for approval, and more time doing the things you really want.
Whether you have good credit, bad credit, or something in between — we review every application with care. We don’t judge; we’re here to help.
Once your loan application is approved and you accept the offer, your funds will be loaded onto your CashPass card (if you’re a CashPass cardholder). Otherwise, the funds will be transferred directly to your bank within 24 hours*.
No hidden fees. Upfront costs, clear terms, and a trusted lender with convenient online and in-store support.
Talk to our dedicated staff in-store or online. We’re here to give you the information you need to help you make sure that your Personal Loan is right for you.
Whether you have good credit, bad credit, or something in between — we review every application with care. We don’t judge; we’re here to help.
Once your loan application is approved and you accept the offer, your funds will be loaded onto your CashPass card (if you’re a CashPass cardholder). Otherwise, the funds will be transferred directly to your bank within 24 hours*.
No hidden fees. Upfront costs, clear terms, and a trusted lender with convenient online and in-store support.
Talk to our dedicated staff in-store or online. We’re here to give you the information you need to help you make sure that your Personal Loan is right for you.
*Or by the next business day.
Subject to eligibility and lending criteria being met and personal circumstance being assessed.
Subject to eligibility and lending criteria being met and personal circumstance being assessed.
It only takes up to 10 minutes to apply for a cash loan online. You can also visit your local Cashies store in New Zealand to apply in person and chat to one of our friendly team.
We’ll validate the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.
If approved, the fund is transferred directly to your CashPass Card or your nominated bank account within minutes.
It only takes up to 10 minutes to apply for a cash loan online. You can also visit your local Cashies store in New Zealand to apply in person and chat to one of our friendly team.
We’ll validate the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.
If approved, the fund is transferred directly to your CashPass Card or your nominated bank account within minutes.
No matter what you need, our friendly team is here to help.
We will provide the information you need to make the right decision for you.
We look closely at the information you provide as well as enquire about why you need the loan, how much you need, and if you have other debt. You’ll need to provide proof of ID, proof of address, and proof of your income and expenses.
Our model works to make sure you have capacity to repay your loan.
No matter what you need, our friendly team is here to help.
We will provide the information you need to make the right decision for you.
We look closely at the information you provide as well as enquire about why you need the loan, how much you need, and if you have other debt. You’ll need to provide proof of ID, proof of address, and proof of your income and expenses.
Our model works to make sure you have capacity to repay your loan.
| Loan Amount | $500 – $5,000 |
| Loan Term | 3 – 24 months |
| Fees and Interests* |
|
| Repayment Cycles | Repayments can be made weekly, fortnightly, or monthly depending on your pay cycle |
| Method of Payment | Funds transferred to your CashPass Card or bank within minutes once loan offer accepted |
| How to Apply |
*Additional fees, such as default fees, or debt collection fees can apply if you miss a payment or do not comply with the terms of the loan agreement. These fees will be clearly disclosed upfront in your loan agreement and can be found below and in the FAQ.
Please provide proof of ID, proof of address, contact details, and employment details. We ask you to show us your income and expenses via a secure link which provides us with details of your bank statements.
Yes, you can. We will need to sight your passport and work visa. The term of any loan cannot exceed three months prior to your visa end date.
No, we do not contact employers.
We do credit checks for Personal Loan applications. This will leave a general finance enquiry on your credit file. However, as long as your current financial situation is stable, we will consider your loan application.
We consider bad credit as a factor in assessing loans, but this is not the only basis for our decision. If your credit history is a problem, we’ll be straight with you and if your situation changes you are welcome to apply again.
You can apply for a personal loan online, or in-store. The application process is easy and can be completed within 10 minutes.
We cannot confirm how long it will take us to assess your application but rest assured our team is working hard to provide an outcome for you as quickly as we can. Application assessments can be completed on the same day as your appointment if all documents required for the application are provided.
Some fees may apply:
Please contact us if you can’t make a payment – we can talk about your options and adjust your repayments. Our friendly Customer Service team are here to help.
If you are going through some financial hardship, please contact us as soon as possible. We will do our best to work with you and support you through the hard times.
You must provide your internet banking login details during the Credit Sense process. However, Cash Converters and Credit Sense do not see or store your login credentials. When you input your credentials, they are encrypted, sent to your bank to grant us read-only access to your transaction history, and then they are permanently erased.
Find out how safe Credit Sense is.
We use an online verification tool – Credit Sense (a highly secure Australian Credit Reporting Body) to view your bank information. The Credit Sense process is quick, convenient, and secure and allows us to process your loan faster.
Find out how safe Credit Sense is.
As part of our Responsible Lending obligations, we need to ensure the information we have gathered is correct. Once you confirm your details, we can process your application more efficiently.
Yes, you can! Please reach out to us by email or webchat to arrange a suitable time.
To review the status of your application, please log in to your customer portal.
Cash Converters takes a lot of information into account when making a decision. Unfortunately, we can’t always provide you the exact reasons that your application was refused.
Your income may not be sufficient at this time, your credit history might not be suitable or we may have found another issue with your application or banking information.
However, in the future, if your situation changes you are welcome to apply again.
A top-up is a new loan, with a portion of the funds used to settle your previous loan balance. We need to make sure the top-up is enough to clear your existing loan balance AND cover what you need the new loan for.
We normally prefer you have been paying your existing loan with us for at least 6 weeks before applying for a top-up, but we will occasionally consider going earlier for customers with good history who have an urgent need.
To review the balance of your loan, please log in to your customer portal.
Your username will usually be the email address you last used to apply for a loan.
To reset your password, click the ‘Reset Your Password’ button.
An email will be sent to the email address on file, allowing you to reset your password and login. If you do not receive the password reset email, please check your email’s junk or spam folder.
Our Personal Loans come with:
Example:
If you borrow $1,000 over 9 months, the total fees would be $262.40 (that’s the $106 setup fee plus $4 each week for about 39 weeks).
Interest you’ll pay depends on how often you make repayments and will be approximately*:
Your total repayment would be:
The minimum loan term is 3 months and a maximum of 24 months.
*Different factors can affect the total amount of interest you pay, please refer to your contract to find out more.
Our Personal Loan is simple to understand. To show you just how simple it is, you can view a sample of our standard form Personal Loan Agreement here.
If something doesn’t make sense or you have a question, feel free to contact us and we’ll be more than happy to help.
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