Cash Stop Online Loan review

Get the green light with a loan from Cash Stop

If you're in need of a small amount loan but want a bit of extra leeway in your repayment terms, you might want to consider Cash Stop. They offer online loans with longer-than-normal repayment periods, up to five months, that you can apply for conveniently online. If you do find you can repay your loan early, you're able to do so without incurring additional fees. Find out what other features are on offer from Cash Stop and see if they can help you get the money you need.

Thinking of borrowing from Cash Stop? Here's what you need to know.

Cash Stop operates both online and in bricks-and-mortar branches. When you apply online, you can receive the funds in your bank account the same business day. Depending on your financial circumstances you can borrow up to $2,000. The application process is quick, with the online form only taking a few minutes to fill out. You may also still be eligible for a loan if you have poor credit history and if you receive Centrelink.

Features to consider before applying

  • Quick application. You can fill out the online application in a couple of minutes without the need to fax any supporting documents.
  • Generous loan term. Most payday lenders require that you repay your loan within two months at the most, but Cash Stop lets you choose longer repayment terms. Select the term between 16 days - 1 year that best suits your needs.
  • Varied loan amounts available. Applying through Cash Stop online means you can borrow between $300 and $2,000. Keep in mind the actual amount you're approved for will depend on your financial circumstances (your income, current debts, employment, etc.) and your ability to repay the loan.
  • Convenient repayments. You won't need to remember to make repayments yourself — on the agreed repayment dates the amount will be direct debited from your nominated bank account.
  • Early repayments accepted. If you're able to repay your loan early, you can without incurring any penalties. Save yourself another 4% monthly fee by repaying ahead of schedule.
  • Bad credit borrowers and receivers of Centrelink can apply. If you have negative marks on your credit file, you still may be eligible for a Cash Stop loan. Those receiving Centrelink benefits may also be eligible depending on their financial circumstances.

Compare Other Payday Loans

Whilst we don't compare Cash Stop Online Loan directly, here are some other loans that are similar.

Updated December 15th, 2018
Name Product Maximum Loan Amount Term of Loan Cash Deposited In Costs Fornightly Repayment (for $1500 Loan)
9-15 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 9-15 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.
62 days to 1 year
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 1 year. Centrelink cannot be your primary source of income.
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.
6 to 12 months
20% of loan amount + 4% of loan amount each month
A short-term loan from $500 that you can have up to 12 months to repay. All credit histories considered.

Compare up to 4 providers

What will it cost you to borrow?

  • Loan establishment fee: You will pay 20% of the amount you borrow to set up your loan.
  • Monthly fee. On the loan settlement day and on the anniversary day of each subsequent month the loan remains open, you'll be charged a 4% monthly fee.
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How to apply online with Cash Stop

Interested in applying for an online loan with Cash Stop? You can get your application started by visiting the Cash Stop Online website. The application shouldn't take longer than four minutes to fill out and you'll receive your loan amount on the same day of approval.

First, check you meet the eligibility criteria:

  • You're a permanent Australian resident
  • You're over the age of 18
  • You have an email address
  • You earn a regular, steady income over $300 per week. This income will need to be credited to your nominated bank account.
  • Those on Centrelink benefits can apply – including those on Newstart and Youth Allowance

If you've established you meet the basic criteria, you can click through to start the application process. You'll need to provide the following information:

  • Personal details including your name and contact information
  • Employment information such as where you work and the contact details of your employer. An income verification call may be made to confirm your employment
  • You will be required to digitally submit 90 days worth of your bank statements through Credit Sense
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148 Responses

  1. Default Gravatar
    RebeccaDecember 7, 2018

    Hi Josh,

    Regarding ‘PayDay’ loans $1000-$2000, which loan institutions do not run credit checks, please? I have affordability, but not at the expense of an Enquiry on my credit file.

    Is Cash Stop one of them?

    Thanks in advance

    • finder Customer Care
      JoshuaDecember 13, 2018Staff

      Hi Rebecca,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      It is safer to assume that all payday lenders do run credit checks unless they specifically mention they don’t and this include Cash Stop. However, even if they run credit checks, the majority of payday loan lenders still accept applicants with bad credit.

      Alternatively, we do have a page that lists payday loan with no credit check. Check that page to learn more.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    Bug76March 9, 2018

    I’m on a disability pension and looking for an unsecured personal loan of $10000 for my wedding in early June this year. I’ve tried the big four banks and been knocked back. I’ve been defaulted on a couple of but have dine well to repay them now.But this gas affected my credit rating. So I have applied for many loans and been knocked back. Please help me find the right loan so I can marry my partner on the 6th June thus year. I need a quick response please as I need for wedding

    • finder Customer Care
      JoshuaMarch 19, 2018Staff

      Hi Bug76,

      Thanks for getting in touch with finder.

      I understand the difficulty of looking for the right loan for you. Most banks look at your ability to pay them back before they can lend you the money. Thus, if you want to have more options, you need to improve your ability to make repayments.

      You mentioned that you are on a disability pension. You may go to this page to know other lenders that can help you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. finder Customer Care
    JonathanFebruary 23, 2018Staff

    Hi Brian, thanks for your inquiry.

    Please note that is a comparison service and not the actual lender. It would be best to contact the loan provider directly to determine how much you will be approved for. Cash Stop’s contact details are 1300 721 001.



  4. Default Gravatar
    February 1, 2018

    Hi I’m a disability pensioner also a bad credit rating. Had a few defaults however I always rectify and pay . but have lowered my rating. I’ve tried for Day’s to get a loan approved. Can you please help me find a lender that will give me a chance and approve a loan.
    Only after $300/$400 Max.
    I really need a loan Asap . due to having
    To take my cat Cleo to the vet. I have to
    Pay the bill by Friday .
    Kind regards Paul Rawcliffe.

    • Default Gravatar
      JoelFebruary 3, 2018

      Hi Paul,

      Thanks for leaving a question on finder and sorry to hear about your cat Cleo. I hope she gets better soon. You can compare disability pensioner loans here. Most providers release the loan same day if approved. If you need anything else, please send us a message anytime.


  5. Default Gravatar
    October 18, 2017

    I don’t have a very good credit history. Will anyone be able to give me a loan for a short term?

    • finder Customer Care
      JudithOctober 18, 2017Staff

      Hi Kassandra,

      Thanks for contacting finder, a comparison website and general information service.

      You may view this page for you to see a list of short-term loan options.

      Here is another page that you may check.

      To improve your chances of getting approved for a loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and make sure to read the details, as well as the relevant PDS/ T&Cs of the loan option before making a decision and consider whether the product or option is right for you.

      I hope this helps.

      Best regards,

  6. Default Gravatar
    MonaAugust 3, 2017

    Can I apply for a loan while I’m on new start allowance?

    • Default Gravatar
      ArnoldAugust 3, 2017

      Hi Mona,

      Thanks for your inquiry.

      Yes, there are banks that will lend you loans. Please check this page to check and compare them. It is important to discuss your options for eligibility with them.

      Hope this information helped.


  7. Default Gravatar
    ShyJuly 15, 2017

    I am on new start partnered 450 a fortnight and need a 100 dollar loan. Probably bad credit. What do I do?

    • Default Gravatar
      LiezlJuly 15, 2017

      Hi Shy,

      Thanks for reaching out.

      The lenders listed above offer loans to bad credit borrowers and receivers of Centrelink. You can click through to the review page by clicking on the name of any of the lenders, or the “More” link and when you’re ready to apply click ‘Go to Site’.

      I hope this will help.


  8. Default Gravatar
    SherrynJune 22, 2017

    What if my Centrelink and My pay go into 2 different accounts? A lot of places are verifying online and only give you options to add details from one account.

    • Default Gravatar
      LiezlJune 23, 2017

      Hi Sherryn,

      Thanks for your question.

      When you apply online, you can use the account where you’re receiving bigger pay. As soon as you’re done with your online application, you need to call us Cash Stop’s online loan team right away so they can check whether that account suffices or not. In case it doesn’t, they’ll send you another link so you can upload another bank account. If you’re still unsure about the process, you may visit their website and chat with their customer service.

      I hope this has helped.


  9. Default Gravatar
    SteveMarch 23, 2017

    Am i able to apply when i on a disability support pension (dsp) payment

    • finder Customer Care
      HaroldMarch 23, 2017Staff

      Hi Steve,

      Thank you for your question.

      You can apply with Cash Stop as long as you earn over $300 per week. Also, you would need to do some form of photo ID. In general, most lenders they required this to verify the identity of their potential client. You can get a photo card from your state’s local driving authority. Through this page you can also check the complete list of requirements at section “How to apply online with Cash Stop”. Please note that lenders have stricter criteria for those receiving disability support pension (DSP). You may also want to consider checking this options.

      I hope this has helped.


  10. Default Gravatar
    February 22, 2017

    I’m on Centrelink for I just left my job to come down to Sydney to see my grandson and looking for a new job

    • finder Customer Care
      MayFebruary 22, 2017Staff

      Hi Sonya,

      Thanks for your question.

      If you’re looking to apply for a loan, you may review the criteria and get more information from our guide on this page. You may contact the lender directly to discuss your loan options and chances of approval.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      Hope this helps.


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