Cash Cloud Payday Loans

Last updated:  

Let Cash Cloud simplify the process for getting your payday loan.


Maximum loan amount

Within an hour

Turnaround time

Up to 3 months

Term of loan

Cash Cloud is not a direct lender; it works to match you with a loan offered by one of its lenders. The fee structure is transparent and you can review it before you agree to the loan. Cash Cloud’s service is free and you can receive your money quickly – in some cases within 60 minutes or on the same business day.

How does the process work?

When you apply with Cash Cloud, it will send your application to its primary lender, Stress Less Money. If you aren’t accepted, there are other lenders on its panel who will consider your application. If you are accepted you’ll be transferred to the lender to review the costs and complete the process to receive your funds. The repayment process will differ depending on the lender you are matched with.

Comparison of Payday Loans

Whilst we don't compare loans from Cash Cloud directly, use the table below to see how they compare against other short term loans

Updated September 23rd, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
62 days to 9 months
1 hour - conditions apply
10% of loan amount + 2% of loan amount each month
Finder Exclusive: 50% discount on the establishment fee (now 10% of the loan amount) and monthly fee (now 2% of the loan amount)
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
9-12 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-12 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Up to 2 years
3 hours - conditions apply
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.
22 - 52 weeks
Same day - conditions apply
Up to $2,000 - 20% establishment fee + 4% monthly.

Above $2,000 - $400 + from 8.7% to 48% APR
Borrow from $1,000 to $5,000 with same-day funding and no early repayment fees.
6-12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
Credit24 offers this loan up to $2,000 and gives you 12 months to repay.
3-12 months
1 business day
Establishment fee from 10% of loan amount + monthly fee from 2%
A small loan between $500 and $2,000 that can be funded in 24 hours.
3 to 12 months
1 business day
10% of loan amount + 2% of loan amount each month
A small loan up to $2,000 from a lender backed by NAB. Transparent eligibility criteria and competitive costs.

Compare up to 4 providers

What features does Cash Cloud offer?

  • Increase your chance of approval.
    As more than one lender is reviewing your application you have more of a chance of approval, even though you only submit one application.
  • No paperwork.
    You won’t need to fax any paperwork to Cash Cloud to complete your application.
  • Customer support.
    Cash Cloud offer email and online support to customers who need help before they apply, to check on their application status or if they have a complaint.

What will the loan cost?

This depends on the lender you are accepted by. For instance, if your application is accepted by Cash Cloud’s primary lender, Stress Less Money, the fee structure will be as follows:

What you will pay:

  • Establishment fee: 20%
  • Monthly fee: 4%

What you might pay:

  • Dishonour fee: $35 charged when a direct debit is dishonoured
  • Rescheduled payment fee: $35
  • Late fees: $7 charged daily for up to 45 days

Is there anything to be aware of before applying?

  • Cash Cloud’s primary lender has a policy of not rolling over loans, but if you are matched with a different lender (for example, Cash Train) you can review their renewal policy before you accept the loan terms.
  • Once you submit your application with Cash Cloud and are accepted by a lender, you should direct all account and loan enquiries to that lender and not Cash Cloud.

How you can apply with Cash Cloud

If you’re looking to apply, you can get started by submitting an online application on Cash Cloud’s website. You’ll need to be:

  • Over the age of 18
  • A resident of Australia
  • Currently employed

You’ll also need to provide certain details to complete the application, so keep these handy:

  • Loan: How much you need and why you need it
  • Personal: Your name, address, marital status and number of dependants
  • Identification: Your driver’s licence, proof of ID card, Medicare card or passport
  • Financial: Your income, debts, assets and liabilities
  • Employment: Your current and previous employers, their contact information and your job title

Ask an expert

To ask a question simply log in via your email or Facebook or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


  1. Default Gravatar
    November 22, 2015

    Need money for shopping

    • AvatarStaff
      November 23, 2015

      Hi Devita,

      If you’d like to apply for a loan with Cash Cloud you can do so on its website. You will need to list the purpose of the loan on your application.

      I hope this has helped.



Ask a question
Go to site