Ahoy! Cash Pal’s here to be a friend to you when money’s a bit tight. We’re experts in finding lenders that can offer quick cash loans (if we do say so ourselves). If you’re eligible, we’ll do our best to find a lender for you as fast as possible, so you’re not kept waiting.


There are just a few basic requirements that must be met before you can apply with Cash Pal. You must:

  • Be 18 years old or over;
  • Have been paid a regular income into a personal bank account for at least the past 90 days;
  • Be an Aussie citizen, or have permanent residency;
  • Have a direct contact phone number and email address.

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Provided you meet the eligibility requirements, you can apply. This includes the income requirement, which can include Centrelink payments. Once you submit your application form, we’ll do our best to find a lender that can offer quick cash loans to Centrelink recipients.

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To apply with our lender-finding service, head over to our application form. It’s 100% online and should only take a few minutes. You can also make use of our loan calculator to get an idea of what your loan might look like. Simply adjust the slider to select the amount you would like to borrow, and the repayment period you’d prefer. However, keep in mind that these are just examples.

Once you’ve applied, we’ll get to looking for a lender. We always aim to provide fast outcomes, so we’ll do our best to inform you of the results of our search as quickly as possible. If we find a lender for you, we’ll refer you to them and they will then conduct their own assessment of your loan application.

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We only manage your application for our lender-finding service, and searching for a lender for you. During that process, we will access a read-only copy of your bank statements in order to find a lender. If you are receiving Centrelink payments, your lender may also require you to access your myGov account to verify this.

Since we only handle the initial application and lender-finding, we won’t need you to submit any supporting documentation to us. You might need to supply your loan provider with copies of bank statements, payslips, and/or bills, for example. They’ll be looking to confirm both your identity and your personal circumstances. The requirements may differ from lender to lender, so it’s probably best to wait for if we find a provider for you, then check what their requirements are.

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We will not. However, your lender could do a quick employment check. Not to worry! Our partner lenders employ well-trained operators who would never disclose any personal information about you or your application to your employer.

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We are 100% online, including our application process. All applications must be submitted via our mobile friendly website. If you need to get in touch with us directly, you can do so by filling out a contact form or sending us an email.

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That will depend on your lender. Some of the lenders we deal with conduct credit checks, while others do not. Regardless, the lenders we can find won’t typically reject you just for having a bad credit score.

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Applications can be submitted any time via our website, but we only process applications during regular business hours.
Our hours are:
Monday to Thursday – 8am to 6pm
Friday – 8am to 4pm EST.

If you apply or contact us outside of business hours, we will respond the next business day.

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This will depend on your lender. If you have a different bank to your lender, it may take longer for the money to be transferred.

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The costs of quick cash loan will depend on the lender. We encourage our lenders to be open about the fees and costs associated with their loans. Unless otherwise laid out by your lender, you can expect to pay something like this:

Small Amount Credit Contract (loans from $500 to $2000), costs are:

  • Establishment fee: 20% of loan principal.
  • Flat monthly fee: 4% of loan principal.
  • Direct debit dishonor fee in the event of a missed payment.

Medium Amount Credit Contract (loans from $2001 to $4600), costs are:

  • Establishment fee: $400 flat fee.
  • Annual Percentage Rate: 48%.
  • Must be secured by a vehicle (car, boat, caravan or motorbike)
  • Direct debit dishonor fee in the event of a missed payment.

Large Amount Credit Contract (loans from $5,000 to $15,000), costs are:

  • Annual Percentage Rate: 21.24%
  • Must be secured by a vehicle (car, boat, caravan or motorbike)
  • Direct debit dishonor fee in the event of a missed payment.

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It’s important to pay back a personal loan on time so that you don’t incur extra costs or have any defaults added to your credit record! Once your loan is approved, ask your lender to help you set up a direct debit schedule in line with your payday – the amount you need to repay and when you receive your monthly payments are important here.

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There is a common misconception that loans from small lenders are full of lots of different fees that you have to keep track of. In fact, the costs offered by our partner lenders are quite straightforward. All of the specific costs of your loan will be outlined in your loan contract:

Small Amount Credit Contract (loans from $500 to $2000), costs are:

  • Establishment fee: 20% of loan principal.
  • Flat monthly fee: 4% of loan principal.
  • Direct debit dishonor fee in the event of a missed payment.

Medium Amount Credit Contract (loans from $2001 to $4600), costs are:

  • Establishment fee: $400 flat fee.
  • Annual Percentage Rate: 48%.
  • Must be secured by a vehicle (car, boat, caravan or motorbike)
  • Direct debit dishonor fee in the event of a missed payment.

Large Amount Credit Contract (loans from $5,000 to $15,000), costs are:

  • Annual Percentage Rate: 21.24%
  • Must be secured by a vehicle (car, boat, caravan or motorbike)
  • Direct debit dishonor fee in the event of a missed payment.

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If you don’t make a repayment, a dishonour fee is added to the balance of your loan. You should be able to find these fees outlined in your contract. Make sure you thoroughly read this document so that you know exactly what all the relevant fees are from the outset. If you think there’s a chance that you’ll miss a repayment, or if you’re going to be paid late at all during your repayment period, make sure you let your lender know as soon as possible. They may me able to sort out an alternative arrangement.

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If you stop making your repayments, you run the risk of having your default listed on your credit file. This could have a severe effect on your credit history and stay there for up to 5 years. Your account could be passed on to an external debt collection agency – a final step for lenders. If your circumstances suddenly change, contact your lender to find out if you could apply for Financial Hardship.

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If you have a sudden change in circumstances and are unable to meet your financial commitments like bills, expenses and loan repayments, make sure you advise your loan provider.

If you are finding it hard to manage your finances, consult with an accredited financial adviser or visit www.moneysmart.gov.au.

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This will depend on your circumstances and the lender. If you apply with our lender-finding service, we’ll do our best to find a lender for you. Alternatively, you can contact your current loan provider directly to see what options you have available.

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If you are in a current or undischarged bankruptcy, we will not automatically count you out. Apply using the form above and we’ll see if we can find a lender for you.

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A SACC loan is a government-regulated Small Amount Credit Contract governed under the National Consumer Credit Protection Act (2009). Their repayment terms vary from 16 days to 1 year, up to $2,000.

A MACC loan is also a government-regulated product under the National Consumer Credit Protection Act (2009). A MACC loan is a Medium Amount Credit Contract. MACC loan terms range up to 2 years for $2,001 to $4,600. Our lender partners typically only offer Secured MACCs where you offer security in the form of a car, motorbike, boat or caravan whilst the loan is being repaid.

Finally, a LACC loan (also a government-regulated product under the National Consumer Credit Protection ACT (2009)) is a Large Amount Credit Contract. LACC loan terms range up to 2 years for $2,001 to $4,600. Our lender partners typically only offer Secured MACCs where you offer security in the form of a car, motorbike, boat or caravan whilst the loan is being repaid.


We’re not happy if you’re not happy. If you have had a less than satisfactory experience using our service, please let us know. You can contact us using the form on our contact page.

We will get in touch with you quickly to see if we can resolve the issue. If you are still not satisfied with the outcome you can contact the Credit Ombudsmen Service Limited for an independent review.

You can contact the Credit Ombudsmen Service on 1800 138 422 or visit www.cio.com.au for more information.


If we find a lender for you and they approve your loan application, your primary responsibility is to ensure that you have sufficient funds in your account on withdrawal dates so that you can make your repayments. These dates can be set up in line with your pay and will be outlined in your loan contract.

If there will be insufficient funds in your account, get in touch with your lender quickly so you can potentially avoid further fees and charges.

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