Cash Stop Online Loan review

Last updated:  

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 1 year, 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.


Maximum loan amount

Same Day

Turnaround time

conditions apply

1 month - 1 year

Term of loan


Product NameCash Stop Online Loan
Minimum Loan Amount$300
Maximum Loan Amount$5,000
Arrears Fee$40
Loan Term1 month - 1 year
Turnaround timeSame Day - conditions apply
CostsUp to 2K - 20% establishment fee + 4% monthly. Above 2K - $400 + 48% APR
RequirementsYou must be over 18, earn at least $300 a week and have a valid email address
Available to Centrelink Borrowers?Yes

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 $5,000. 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 1 month - 1 year that best suits your needs.
  • Varied loan amounts available. Applying through Cash Stop online means you can borrow between $300 and $5,000. 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.
  • 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 February 26th, 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

⚠️ 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.

Financial hardship

If you're experiencing financial hardship and would like to speak to someone for free financial counselling, you can call the Financial Counsellors hotline on 1800 007 007. It is open from 9:30am to 4pm, Monday to Friday. When comparing short term loans, ensure you take into consideration any fees, charges and rates you may be charged. It's important to weigh up all your options before applying for any form of credit.

What will it cost you to borrow?

  • Loan establishment fee: You will pay 20% of the amount up to $2,000 or $400 for the loan amount above $2,000.
  • 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 for the loan up to $2,000.
Back to top

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

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
    April 30, 2019

    I’m on new start and I’m wanting to get a loan for a car

    • Avatarfinder Customer Care
      May 1, 2019

      Hi John,

      Thanks for getting in touch! Yes and you can find a lender that will accept your application while on Newstart. If you’re looking to purchase a car, you can consider a secured car loan from a lender that accepted Centrelink applicants. Please go to this link. You can purchase a new or used car and use it as security for the loan to get a lower rate. As a friendly reminder, 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!


  2. Default Gravatar
    December 21, 2018

    Ive been on stress leave from work for 12 weeks and still getting paid by my insurance company, own $809,000 assets and only want $5000 secured loan and been knocked back everywhere and now these many applications will be on my credit file. Who can help?

    • Avatarfinder Customer Care
      December 21, 2018

      Hi David,

      Thanks for getting in touch.

      Sorry to hear about your declined application. You may not have met all the requirements of the lender. Typically, they would assess your overall financial situation when considering your application which may not be limited to your employment, income/salary, other debts/liabilities, assets and also your creditworthiness.

      Although it may not be a good idea to apply for any form of credit several times in just a short period as it could hurt your credit file, in future, you may want to contact the lender and confirm first your eligibility before submitting your final application. In the meantime, there are lenders on this page that offer $5,000 loan which you may want to check. It’s always wise to review the terms and conditions of the loan first before you consider it’s the right one for you.

      I hope this has somehow helped.


  3. Default Gravatar
    December 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

    • Avatarfinder Customer Care
      December 13, 2018

      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!


  4. Default Gravatar
    March 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

    • Avatarfinder Customer Care
      March 19, 2018

      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!


  5. Avatarfinder Customer Care
    February 23, 2018

    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.



  6. Default Gravatar
    Paul Rawcliffe
    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
      February 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.


  7. 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?

    • Avatarfinder Customer Care
      October 18, 2017

      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,

  8. Default Gravatar
    August 3, 2017

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

    • Default Gravatar
      August 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.


  9. Default Gravatar
    July 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
      July 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.


  10. Default Gravatar
    June 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
      June 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.


Ask a question
Go to site