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Terms and Conditions

Pre-approval is based on limited information provided on the 30 second’s form, it indicates your eligibility to apply a loan only. Loan amount may vary, subject to final approval.

Statistics showed 80% of the pre-approved customer can get a loan.
In some cases joint application may be required; it is often due to the following reasons:

1.       Unacceptable credit record
2.       Inappropriate estimation of vehicle / property value
3.       Insufficient disposable income (less than $800 income a fortnight or on Newstart/ Youth Allowance/AUS study )

Upon submission, you are deemed to agreed the terms and conditions.

Your success is our success!

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Notice to NSW/ACT applicant

Due to changes in NSW/ACT legislation, ONLY Premium loans are available from 1/7/2010.

Premium Loans *	Consumer Loans^
Available Australia-Wide	Not available in NSW/ACT from 1/7/2010 (Available in all other states)
*Premium Loan - more than half of the credit is intended to be used for business purpose. (Up to 49% can be used for any other purpose)	^Consumer Loan – more than half of the credit is intended to be used for domestic, personal, household, residential property purpose.
Examples: Start online business Purchase shares/currency using a company/trust Business operating cash flow Pay business expenses Commercial investment use *Know more…*	Examples: Pay personal bills/rego Household/personal use Personal debt consolidation Residential Investment property use Holiday/wedding use Purchase shares/currency by a natural person *Know more…*

Important Notice to NSW/ACT Customers

Due to changes in NSW/ACT legislation, ONLY Premium loans are available from 1/7/2010.

Premium Loans	Consumer Loans
Available Australia-Wide	Not available in NSW/ACT (Available in all other states)
Examples: Start online business Purchase shares/currency using a company/trust Business operating cash flow Renew rego for business vehicle Consolidate business debt Buy business equipment Buy stock for fashion boutique Capital injection in company Commercial property use Start up a cleaning busineess	Examples: Pay personal bills/rego Household/personal use Personal debt consolidation Holiday/wedding use Residential investment property use (e.g. renovation) Purchase shares/currency by a natural person
*Premium Loan - more than half of the credit is intended to be used for business purpose. (Up to 49% can be used for any other purpose)	^Consumer Loan – more than half of the credit is intended to be used for personal/household/residential property use.

As much as Cash Finance would like to assist NSW/ACT consumer loan customers, changes in NSW/ACT legislation and increase in lending restrictions has NOT allow us (short term loan industry) to operation effectively in NSW/ACT. Hence with regret, Cash Finance (and many other short term finance service providers) has withdrawn from NSW/ACT consumer market.

After submission, you should receive an answer usually within 15 minutes by SMS and email (During business hours M-F 9:30am - 5:30pm EST and subject to availability.)
Pre-approval is based on limited information provided and is only a general guide to your eligibility in getting a loan; it is not a final approval. Final approval may be given to eligible applicant/s after further assessment has been completed. Only loans for predominate business purpose are available to NSW/ACT applicant/s.

Instant Personal Loans Online!

Important Notice to NSW/ACT Customers