Cash Cloud Payday Loans

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Cash Cloud help match their customers to suitable payday lenders

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


Maximum loan amount

Within an hour

Turnaround time

Up to 3 months

Term of loan


Product NameCash Cloud Payday Loans
Minimum Loan Amount$300
Maximum Loan Amount$2,000
Arrears Fee$35
Loan TermUp to 3 months
Turnaround timeWithin an hour
Costs20% of borrowed amount + 4% of borrowed amount each month
Available to Centrelink Borrowers?No

How does the process work?

When someone applies for a loan with Cash Cloud, it will send their application to its primary lender, Stress Less Money. If that customer isn't accepted, there are other lenders on its panel who will consider their application. Those who are accepted will be transferred to the lender to review the costs and complete the process to receive their funds. The repayment process will differ depending on the lender each customer is 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 February 27th, 2020
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Nimble Short Term Loan
62 days to 3 months
1 hour - conditions apply
15% of loan amount + 3% of loan amount each month
Finder Exclusive: 25% discount on the establishment fee (now 15%) and monthly fee (now 3%)
A loan up to $2,000 with terms up to 62 days to 3 months. Centrelink cannot be your primary source of income.
Sunshine Short Term Loans
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
Wallet Wizard Smart Loan (Up to 2K)
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.
Safe Financial Small Loan
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.
Fair Go Finance Small Loan
3-12 months
1 business day
Establishment fee from 20% of loan amount + monthly fee from 4%
A small loan between $500 and $2,000 that can be funded in 24 hours.
Speckle Small Loan
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?

  • Increases chance of approval.
    As more than one lender is reviewing each applicant's application, customers have more of a chance of approval, even though only submit one application is submitted.
  • No paperwork.
    Customers won’t need to fax any paperwork to Cash Cloud to complete their 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 a Cash Cloud applicant is accepted by. For instance, if a application is accepted by Cash Cloud’s primary lender, Stress Less Money, the fee structure will be as follows:

What customers will pay:

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

What customers 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 someone is matched with a different lender (for example, Cash Train) they can review their renewal policy before they accept the loan terms.
  • Once someone submits an application with Cash Cloud and are accepted by a lender, they should direct all account and loan enquiries to that lender and not Cash Cloud.

How to apply with Cash Cloud

Those looking to apply can get started by submitting an online application on Cash Cloud’s website. They'll need to be:

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

They'll also need to provide certain details to complete the application, so prospective applicants should keep this information handy:

  • Loan: Details on why the loan is needed and how much funding is required
  • Personal: Their name, address, marital status and number of dependants
  • Identification: Their driver’s licence, proof of ID card, Medicare card or passport
  • Financial: Their income, debts, assets and liabilities
  • Employment: Their current and previous employers, their contact information and their job title

What to consider

While Cash Cloud claims to help match payday loan applicants with appropriate lenders, it is still important for prospective payday loan applicants to compare lenders themselves before submitting an application.

Customers for payday loans should also be aware of the potentially high fees attached and if they are facing financial hardship, should consider potential alternative solutions that they may qualify for.

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  1. Default Gravatar
    November 22, 2015

    Need money for shopping

    • Avatarfinder Customer Care
      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.



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