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Cash Stop Online Loan

Borrow up to $5,000 and choose your own loan term of up to a year. This loan is easy to apply for but expensive.

If you need a small loan but extra leeway with your repayments, Cash Stop allows you to select a longer repayment term of up to a year. Their loans are online and easy to apply for. You can also repay your loan early, without penalty. Cash Stop also accepts applications from bad credit borrowers and Centrelink recipients. The cost of the loan depends on how much you borrow. For loans up to $2,000, there will be a 20% establishment fee and a 4% monthly fee. For loans above $2,001, the establishment fee is $400, and an interest rate of 48% will be charged.

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Maximum loan amount

Same Day

Turnaround time

conditions apply

16 days - 2 years

Term of loan

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Product NameCash Stop Online Loan
Minimum loan amount$200
Maximum loan amount$5,000
Arrears Fee$40
Loan term16 days - 2 years
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

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.

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 can be done online. 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

  • Online application. You can fill out the application online without the need to fax or email any supporting documents.
  • Loan term of up to a year. 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 - 2 years that best suits your needs.
  • Varied loan amounts available. Applying through Cash Stop online means you can borrow between $200 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.
  • Automated 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.

Risks of taking a Cash Stop loan

  • Unaffordable repayments. Payday loans are an expensive way to borrow money so check that you will be able to afford each repayment. If you can't afford your repayments then you are likely to pay a late fee that will make your financial situation worse.
  • High rates and fees. Rates and fees on payday loans are high and there will be more fees if you are late on a repayment. Make sure to check what you would be charged if you miss a payment or if you can't pay back the loan altogether.

Compare Other Payday Loans

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

1 - 5 of 5
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 Small 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
1 to 12 months
24 to 48 hours
Establishment Fee of $18 – $400
A small loan between $300 and $2,000 that can be funded in 24 hours.
Jacaranda Finance Personal Loan
9 to 36 months
Under 1 hour - conditions apply
Borrow up to $15,000 and get access to your funds in as little as 1 hour.

Compare up to 4 providers

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.
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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

Ask an expert

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

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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

    • Default Gravatar
      May 1, 2019

      Hi John,

      Thanks for getting in touch!

      Yes, 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. You can purchase a new or a 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 the future, you may want to contact the lender and confirm first your eligibility before submitting your final application. In the meantime, there are lenders that offer a $5,000 loan which you may want to check. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance. 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 includes Cash Stop. Even if they run credit checks, the majority of payday loan lenders still accept applicants with bad credit.

      We do have a list of a payday loans with no credit check. You may refer to the table to find the lender that suits you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach 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 to.pay 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 small.loans 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 to.pay 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 refer to our list of pensioner loans to know other lenders that can help you.

      Please click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      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 finder.com.au 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.



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