ClearCash Loan

Are you in need of a convenient, ongoing solution to your funding needs? Look no further than ClearCash.

There are times when you can be caught short and find yourself in need of financing. Do you need your car repaired but it's still a week until payday? Forgotten that electricity bill was due? A fast loan solution can help you finance whatever you need and then gives you ongoing access to it should you need it again. ClearCash offers one such loan product, giving you access to up to $3,000 with no hidden interest or fees. Find out more about this loan in the review below and see if it's right for you.

Product NameClearCash Loan
Minimum Loan Amount$500
Maximum Loan Amount$3,000
Loan Term4-12 months
Turnaround timeNext Business Day
Costs47.8% APR
RequirementsYou must have a steady income - Centrelink accepted but 50% or more of your income must come from employment & be over 18.
Available to Centrelink Borrowers?No

How does a ClearCash Loan work?

ClearCash provides fast, flexible loan solutions for people in need of them. You simply apply online when you're in need of a loan and find out if you're eligible. Once approved, ClearCash can give you access to your approved credit limit to you within one hour of you accepting your contract.

You can apply for a limit of up to $3,000, with your "available credit" being the difference between the total amount of credit available to you and your current account balance (what is owed to ClearCash).

Automatic repayments are set up from your bank account to help you repay your loan on time — no stressing about forgetting your repayment dates. Remember this is an ongoing line of credit so the account will remain open until you ask for it to be closed.

Features of a ClearCash Loan

  • Loan amount. Apply for a credit limit between $500 and $3,000, depending on your needs.
  • Top-up your loan or redraw. You can simply login to the member's area to see if you're eligible to increase your credit limit or top-up your cash.
  • Transparent costs. You'll be charged an interest rate of 47.8% APR and the other fees and charges depend on the frequency of your repayments. You will receive a full fee statement as part of your loan contract.
  • Flexible repayments. Repayments can be made weekly, fortnightly or monthly and are direct debited from your account automatically, so there's no need for you to remember to make them. You'll also see repayment reminders three days before so you know the money will be coming out.
  • Fast turnaround. You can apply online in a few minutes and find out if you're approved soon after. After you accept your contract, your credit limit can be made available to you within the hour.
  • Eligibility. You still may be eligible for a loan if you have defaults listed on your credit file or receive Government benefits. ClearCash also considers current and discharged bankrupts.

Compare Other Short Term Loans

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

Updated September 19th, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
62 days to 9 months
1 hour - conditions apply
10% of loan amount + 2% of loan amount each month
Finder Exclusive: 50% discount on the establishment fee (now 10% of the loan amount) and monthly fee (now 2% of the loan amount)
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
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
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.
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.
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.
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

How you can apply for a ClearCash Loan

If you're interested in applying for a loan from ClearCash, the first step is checking you meet the eligibility criteria (outlined below). Then you can submit your application form online at the ClearCash website.

You are still eligible if:

  • You receive Government benefits
  • You are currently, or have previously been, bankrupt
  • You have any defaults listed on your credit file

You need to provide the following information as part of your application:

  • How much you want to borrow and how long for
  • The purpose of your loan (temporary cash shortfall, debt payments, etc.)
  • Your income and expenditure
  • The last 90 days of your banking statements or your internet banking details
  • Personal details including your residency status and your age
  • Whether you have missed any loan repayments in the last six months

How can I contact ClearCash?

If you'd like to get in contact with ClearCash to discuss your account or a new cash loan, you can find their phone number conveniently located in the top right hand corner of their official website.

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129 Responses

  1. Default Gravatar
    KarissaMay 2, 2018

    How do I apply with ClearCash loan?

    • Avatarfinder Customer Care
      JhezMay 2, 2018Staff

      Hello Karissa,

      Thank you for your comment.

      If the eligibility requirements are met, then you can simply apply for this loan online. Kindly refer to the details above for the requirements and further steps to apply.


  2. Default Gravatar
    AngeleneApril 24, 2018

    Where do I apply? Can I apply? I’m on DSP on Centrelink.

    • Avatarfinder Customer Care
      JeniApril 24, 2018Staff

      Hi Angelene,

      Thank you for getting in touch with finder.

      Yes, you may still be eligible to apply for this. One of the eligibility criteria is receiving government benefits like Centrelink.

      If you’re interested in applying for a loan from ClearCash, the first step is checking you meet the eligibility criteria. Then you can submit your application form online.

      If you’d like to get in contact with ClearCash to discuss your account or a new loan, you can find their phone number conveniently located in the top right hand corner of their official website.

      Receiving Centrelink payments doesn’t cut off your access to credit. Discover what loan options are available to you by clicking this link.

      I hope this helps.

      Have a great day!


  3. Default Gravatar
    RoslynApril 18, 2018

    I am on Disability Pension, is there a loan for me?

    • Avatarfinder Customer Care
      JhezApril 18, 2018Staff

      Hello Roslyn,

      Thank you for your comment.

      For ClearCash, if you’re receiving Government benefits, you can still be eligible. Just refer to the eligibility requirements above or inquire directly from the lender.

      Moreover, there are also other lenders that consider pensions as an income. You may want to get in touch with the lenders on this page that might be able to help you obtain a personal loan while on DSP pension.

      You may also read our comprehensive guide to getting a loan on Centrelink payments. I hope this helps.


  4. Default Gravatar
    ZoeApril 9, 2018

    Im on the DSP pension and have a little bad Credit is there a loan for me

    • Avatarfinder Customer Care
      JeniApril 9, 2018Staff

      Hi Zoe,

      Thank you for getting in touch with finder.

      Yes you could still apply for a loan.

      Please see this link for more info and options to compare.

      I hope this helps.

      Have a great day!


  5. Default Gravatar
    JoshApril 24, 2017


    Do you accept joint applicant loans from $1000 – $2000? I’m on centrelink looking for work and my partner is working while getting centrelink.

    • Avatarfinder Customer Care
      HaroldApril 25, 2017Staff

      Hi Josh,

      Thank you for your inquiry.

      Generally, Centrelink payment is accepted but 50% or more of your income must come from employment & be over 18. Should you need an additional option you may want to consider to check this page.

      I hope this information has helped.


  6. Default Gravatar
    paulApril 10, 2017

    I’m on Centrelink payments fortnightly am I eligible for a personal loan, please?

    • Default Gravatar
      LiezlApril 10, 2017

      Hi Paul,

      Thanks for getting in touch. Please note that is an online comparison service and is not a product issuer.

      If you would like to discuss your eligibility or options for a loan, please compare your loan options, make sure you meet the requirements and then get in touch with a lender featured on this page.

      I hope this has helped.


  7. Default Gravatar
    NinaMarch 13, 2017

    Hi i have 2 credit cards i need a loan for so i can pay them off

    • Avatarfinder Customer Care
      DeeMarch 14, 2017Staff

      Hi Nina,

      Thanks for reaching out.

      If you are looking to consolidate your credit card debts, you can compare your debt consolidation options here.


  8. Default Gravatar
    GabriellaJanuary 30, 2017

    How do we put 2 applicants on the one loan application

    • Avatarfinder Customer Care
      DeeJanuary 30, 2017Staff

      Hi Gabriella,

      Thanks for your question.

      ClearCash is for personal loan application only. If you are looking for a joint personal loan, please check and compare your options here.


  9. Default Gravatar
    DaneJanuary 3, 2017

    I am currently solely on Newstart allowance and am hoping to borrow a small amount for my car, is this a possibility

    • Avatarfinder Customer Care
      MayJanuary 3, 2017Staff

      Hi Dane,

      Thanks for your question.

      Borrowers who receive Centrelink payments are eligible to apply with ClearCash, however, 50% or more of your income must come from employment and should be over 18. You can also review the criteria and get more information from our guide on this page for your other options.

      Hope this helps.


  10. Default Gravatar
    DezAugust 25, 2016

    Hi there I have a monthly income of 1464 and truth no bills my partner is with a trustee and it’s all prepaid by them need a loan of 1000 for a doctor and previous micro loan help!!!!!!!

    • Avatarfinder Customer Care
      ElizabethAugust 25, 2016Staff

      Hi Dez,

      ClearCash offers flexible eligibility criteria with its loans so if you show you have the capacity to repay you may be eligible. If you have specific questions regarding your eligibility you should get in contact with ClearCash directly, or if you’d like to apply you can submit your application on the ClearCash website.

      Hope this helps,


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