Cashfirst Unsecured Personal Loan

Enjoy a quick turnaround time on loans up to $15,000 with Cashfirst.

Important Information

If you’re in need of a loan, and if you have been rejected by other banks or lenders, then you might want to consider a personal loan from Cashfirst.

Cashfirst also offer a secured loan that you can use to finance a new car. You can also use a car less than 7 years old to use as security against the loan.

Product NameCashfirst Unsecured Personal Loan
Interest Rate (p.a.)From 16.99% (fixed)
Comparison Rate (p.a.)17.35%
Interest Rate TypeFixed
Min Loan Amount$1,000
Max. Loan Amount$15,000
Loan SecurityUnsecured


  • Bad credit borrowers accepted
  • High loan amount
  • Online application


  • Higher interest rate
  • Application fee of $50
  • Late fees may be charged

Today, having a less-than-stellar credit file does not have to stop you accessing much-needed finance. You may be in a difficult financial situation and need a loan to have your car repaired, pay medical bills, or even consolidate existing debts. And while you might want the benefits of a payday loan, including quick turnaround time and flexible eligibility, the loan amounts on offer may not be enough. Cashfirst offers people in these situations loans of up to $15,000 for periods of up to 5 years.

How does a personal loan from Cashfirst work?

Cashfirst offers loans of between $1,000 and $15,000 to eligible applicants. In order to apply, you need to fill out an online application form, where your suitability will be assessed and you will receive a response within 60 seconds. At this stage further documents may be requested. If approved, you will receive a credit proposal (contract) by email. After you sign the contract and it is returned to Cashfirst, the funds will be transferred directly into your bank account.

Features of a Cashfirst Personal Loan

  • Loan terms and amount. Cashfirst lets you borrow between $1,000 and $15,000, although the amount you are approved for will depend on your income and financials, and the loan terms are up to 5 years.
  • Approval and turnaround time. Once you apply you will receive a response within 60 seconds, and once you have been approved you can receive your loan amount in as little as 24 hours.
  • Adding to your loan. You have the ability to top up your loan should you need to, although approval for this feature depends on whether you have a positive repayment history.
  • Debt consolidation. Cashfirst allows you to consolidate your existing loan and bill debts into one easy to manage repayment.
  • Early repayments. You are also able to repay your loan early should you be able to.

Fees and rates

The fees and rates you will be charged will be set out in your contract, which you need to agree to and sign before you are sent the loan amount. Cashfirst works on a tiered interest rate system, where your credit score and your financial situation determine the rate you will be offered. Interest rates start at 16.99% p.a. and there is a $50 application fee.

Things to consider

Before you apply for a personal loan you should consider your reasons for getting it, whether you need it, and your ability to repay the loan. If you are unable to get a loan from a bank or other lender and are in need of this money, use the percentage rate to calculate your repayments and see if they will be manageable on your budget.

The rate of 16.99% p.a. is significantly higher than other personal loans, and will contribute significantly to your repayments. Before you apply, think about whether the repayments will be manageable on your budget.


To be eligible for a Cashfirst loan you will need to be employed, earning a salary of $20,000 a year or higher and be over the age of 18. You cannot currently be bankrupt or under a Part 9 Debt Agreement. Cashfirst will consider your individual situation when assessing you for a loan, so all applications are judged on a case-by-case basis.

How to apply

To apply for a personal loan from Cashfirst you can follow the secure link on this page to the Cashfirst website to fill out an online application form. You will need to provide the following documents at some stage in the application process:

  • Scanned copy of your driver’s license, passport or photo ID card with all relevant information showing.
  • Medicare card.
  • A current bank statement that shows 90 days of your account transaction history.
  • Two recent payslips.
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137 Responses

  1. Default Gravatar
    jamalSeptember 19, 2018

    I have a loan with Cash First and I would like to know my balance
    My Name is: Jamal

    • Avatarfinder Customer Care
      JohnSeptember 19, 2018Staff

      Hi Jamal,

      Thank you for leaving a question.

      You have reached finder. We are a comparison website that assists users in their financial choices. If you wish to get in touch with CashFirst, you may give them a call at +61 1300 677 514. The lines are open from 9am-5pm on weekdays. Hope this helps!


  2. Default Gravatar
    DarrenAugust 3, 2018

    I wish to top up my loan could you please contact me on my mobile phone

    • Default Gravatar
      JoelAugust 3, 2018

      Hi Darren,

      Thanks for leaving a question on finder.

      Unfortunately, Cashfirst no longer offer credit to the public consumer. Compare a range of bad credit loan options here.


  3. Default Gravatar
    WendyAugust 5, 2017

    Am eligible for a loan

    • Default Gravatar
      ArnoldAugust 5, 2017

      Hi Wendy,

      Thanks for your inquiry.

      You may be eligible for loans. Most Banks and Private companies have their own eligibility requirements. Please visit this page and Find a low interest rate personal loan and apply today.

      Hope this information helped.


  4. Default Gravatar
    Una-JoyceMarch 14, 2017

    Is there a number I could call for this?

    • Default Gravatar
      MelissaApril 11, 2017

      I want to apply for 11,000 loan.

    • Avatarfinder Customer Care
      HaroldApril 11, 2017Staff

      Hi Melissa,

      Thank you for your inquiry.

      Unfortunately, Cashfirst is no longer offer credit to the public consumer. Alternatively, you may want to consider this options.

      I hope this information has helped.


    • Avatarfinder Customer Care
      MayMarch 14, 2017Staff

      Hi Una,

      Thanks for your question.

      If you want to contact Cashfirst, please visit their official website.

      Meantime, you may want to check this page for your other unsecured personal loan options aside from Cashfirst. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility.


  5. Default Gravatar
    p.tamilarasanJanuary 19, 2017

    15000 loan

    • Avatarfinder Customer Care
      DeeJanuary 19, 2017Staff

      Hi P. Tamilarasan

      Thanks for your question.

      Please note that the loan products we feature on our website are only available to Australian residents. You can check with a local bank or lender if they can help with your borrowing needs.


  6. Default Gravatar
    larryJanuary 11, 2017

    How can I get a credit card with five thousand dollars credit limit on it with fair credit rating. Need it fast.

    • Avatarfinder Customer Care
      DeeJanuary 11, 2017Staff

      Hi Larry,

      Thanks for your question.

      If you have an urgent need for a credit card, you may want to consider submitting an application for any of these instant-approval credit cards. However, kindly note that it will still take up to two weeks before you’ll receive your card via mail.


  7. Default Gravatar
    DanielaDecember 23, 2016

    i recieve carer payment from centrelink. do i qualified for a loan from cashfirst of $15.000 ? and can involve my partner as a dissability pensioner ! thanks

    • Avatarfinder Customer Care
      DeeDecember 23, 2016Staff

      Hi Daniela,

      Thanks for your question.

      Cash First will accept your application if you are employed and not be receiving Newstart or DSP.

      Alternatively, you can visit this page to check for lenders who may consider you for a loan.

      Please do check the eligibility criteria and requirements to apply by clicking the name of the loan product on our page, before hitting the “go to site” button to submit an application.


  8. Default Gravatar
    CameronDecember 9, 2016

    I think i have 2 defaults so would tgat impact on my borrowing $10000

    • Avatarfinder Customer Care
      DeeDecember 9, 2016Staff

      Hi Cameron,

      Thanks for reaching out.

      Yes, defaults could negatively impact your credit score and ultimately your borrowing power. If you haven’t viewed your current credit score yet, you can get it almost instantly through this page.

      To better understand your credit score, we have a guide here.

      Lenders have certain credit score requirement for loan applicants. You can find this information on the review page of a particular loan you are interested in.


  9. Default Gravatar
    YoMaDecember 2, 2016

    I need a loan for my start up business $10,000.00 with credit score of 572. Any lenders would help get this start loan?

    • Avatarfinder Customer Care
      MayDecember 2, 2016Staff

      Hi YoMa,

      Thanks for your question.

      Usually, lenders will consider your financial position and credit rating in reviewing your application. Whilst we’re not sure if you’ll be approved for a loan or not, please review the criteria and find more information on our guide here.

      Hope this helps.


  10. Default Gravatar
    AshNovember 29, 2016

    Hi I am a single dad and currently receiving single parenting payment and family tax but no one will approve me for a loan because (the only reason I have been told is I have to many enquiries) I was wondering what my chances would be with u guys

    • Avatarfinder Customer Care
      DeeNovember 29, 2016Staff

      Hi Ash,

      Thanks for your question.

      Please note that we are a financial comparison and information website that helps consumers make better decisions. We are not a lender.

      You may want to consider applying for a loan with no credit check. You can refer to this page for your options. Please do check the eligibility criteria before submitting an application.

      Also, to improve your chance of approval in the future, our guide on how to improve your credit rating may help you.


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