CashnGo Loans

CashnGo payday loans are open to applications from bad credit and Centrelink borrowers. These loans are expensive with short repayment terms

CashnGo provides short-term or payday loans through ATM-like machines at various locations across NSW. New customers can access up to $600 and existing customers may be eligible for up to $950. Centrelink applicants can borrow up to $300. Standard payday loan rates apply. You’ll have to pay an establishment fee of 20% and a monthly fee of 4% of the loan principle. The maximum length of the loan is 26 weeks. Daily late payment fees of $6 will apply if you fail to make your repayments on time.


Maximum loan amount

60 mins

Turnaround time

conditions apply

2 - 6 months

Term of loan

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Are you struggling financially?

If you're struggling financially and would like to speak to someone for free financial advice, information and assistance you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday). If you are suffering financial problems related to the coronavirus pandemic you may be eligible for additional support.

⚠️ Warning about Borrowing

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

How does a loan from CashnGo work?

Prospective applicants can apply for a CashnGo Loans at one of its NSW locations. First-time customers who are currently employed may be eligible for up to $600; applicants who receive Centrelink benefits can apply for up to $300 and existing CashnGo customers can apply for up to $950.

Applicants have to provide various details, including a bank account from which CashnGo will direct debit their repayments. The maximum loan length is 26 weeks. Customers are required to pay an establishment fee of 20% and a monthly fee of 4%.

Compare other payday loans

Whilst we don't compare CashnGo Instant loan directly, here are some other loans that are similar.

Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
9-14 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 9-14 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Nimble Short Term Loan
62 days to 9 months
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
Safe Financial Small Loan
22 - 52 weeks
Same day - conditions apply
Up to $2,000 - 20% establishment fee + 4% monthly.

Above $2,000 - $400 + loan management fee of up to $399 + 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 to 12 months
24 to 48 hours
0% Establishment Fee + monthly fee 4%
A small loan between $300 and $2,000 that can be funded in 24 hours.
Jacaranda Finance Personal Loan
9 to 24 months
Under 1 hour - conditions apply
$0 - $1,000 depending on credit
Borrow up to $10,000 and get access to your funds in as little as 1 hour.

Compare up to 4 providers

What features does a CashnGo Loans come with?

The following features come with a loan from CashnGo:

  • Loan amounts available. Customers can apply for between $100 to $2,000.
  • Automatic repayments. Repayments will be automatically deducted out of a nominated bank account on the day they are due. Applicants would be advised to make sure there are sufficient funds in their account before their repayment date.
  • Bad credit history and Centrelink applicants considered. CashnGo performs credit checks but will not necessarily refuse loans to applicants with bad credit records. Customers are also eligible to borrow up to $300 if they receive Centrelink benefits.

What are the risks of payday loans?

  • Unaffordable repayments. Consider the size of the regular repayments and ensure the loan is able to be repaid during the loan term. If not, extra fees apply to extend it. Be careful, since repayment periods for these kinds of loans tend to be shorter than regular loans.
  • Multiple applications. Every loan application shows up on credit reports. While lenders might not consider credit history, several applications within a short period can have a negative impact on your credit score moving forward.
  • Check rates and fees. Establishment and monthly fees are capped, so be wary of lenders quoting prices beyond the legal maximum amounts. Be crystal clear on what will be charged for late payments or a default on the loan. The total cost of the loan matters here - lenders can charge interest rates on top of everything else.
  • Long-term repercussions and legal issues. Once the loan agreement is signed, the customer is bound to its conditions until the loan and any associated rates and fees have been paid. Typically these loans are unsecured, which means that the lender can initiate legal proceedings against the customer if they can't repay.

How much will the loan cost?

Consider the following fees and charges before submitting an application:

  • Establishment fee: Successful applicants will pay a 20% establishment fee.
  • Monthly fee: This loan also includes a 4% monthly fee.
  • Late payment fees. Daily fees of $6 accrue for up to 43 days if loan customers miss their repayments. Approved applicants should get in touch with CashnGo ahead of a missed payment if they think they won't be able to make a repayment.

How to apply

To apply with CashnGo, customers need to head to a CashnGo kiosk. To find branch and kiosk locations, visit CashnGo's website. Applicants will need to meet the following eligibility criteria in order to apply:

  • Be over the age of 18
  • Earn a regular income
  • Have the ability to meet their repayments

The following documentation and information will also be required upon application. Applicants will need:

  • Their contact information
  • Details regarding their employment
  • Their income and expenses
  • A recent bank statement (from the last 60 days) that shows their BSB and account number
  • A valid photo ID
  • Two recent payslips

Frequently asked questions

How much can I borrow?
Customers can borrow up to $300 if they receive Centrelink payments as income, up to $600 if they are employed, and up to $950 if they are returning customers.

I have bad credit. Can I still apply?
CashnGo does conduct checks on their applicant's credit history, but prospective applicants may still be eligible with a bad credit history.

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    Default Gravatar
    August 22, 2019

    Really need a loan to buy furniture, got myself and 5 dependants

      Default Gravatar
      August 23, 2019

      Hi Nivea,

      Thanks for getting in touch! To get started on the application for a loan with CashnGo, you need to head to a CashnGo kiosk. To find branch and kiosk locations, visit CashnGo’s website. As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and best of luck on your application.


    Default Gravatar
    October 13, 2018

    Online application, where it asks what bank you bank with it doesn’t have Illawarra credit union listed. Does that mean I can’t go any further with my loan application?

      Avatarfinder Customer Care
      October 13, 2018

      Hi Ralph,

      There is no specific information on their website saying that an applicant cannot proceed with their loan application if their bank is not on the list. It’s possible though, that an applicant will not be able to apply online if their bank is not on their online system because in that case, CashnGo won’t be able to verify the applicant’s bank account details.

      As an alternative, you can apply in-branch or at one of their kiosks. Before applying, please make sure that you meet all their eligibility requirements and read their loan terms to see if it suits your needs.

      It would also be better for you to contact CashnGo directly at 13 13 11 for further assistance.

      I hope this helps.


    Default Gravatar
    October 9, 2018

    Are you answering phone calls today?

      Avatarfinder Customer Care
      October 9, 2018

      Hi Ash,

      Thank you for leaving a question.

      You may call Cash n Go via this number: +61 13 13 11. Operation hours is from 8am – 7pm Mon-Fri and Sat from 8am-12pm. Hope this helps!


    Default Gravatar
    August 24, 2018

    Can I apply online now?

      Avatarfinder Customer Care
      August 24, 2018

      Hello Michael,

      Thank you for your comment.

      Yes, so long as you meet the eligibility criteria and the requirements, you can apply online via Cash N Go website. You can also apply in-branch or at one of its kiosks.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


    Default Gravatar
    July 30, 2018

    How can I apply?

      Default Gravatar
      July 30, 2018

      Hi Sharone!

      Thanks for leaving a question on our page.

      It’s great to hear that you’re interested to apply at CashnGo. Before you send in an application, take note of the eligibility requirements and have all the necessary documents outlined above. Once all has been checked off, simply visit their website to apply. You may also apply in-branch or at one of their kiosks as stated above.

      Hope this was helpful! For any clarifications, feel free to message us again.

      Best regards,

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