Cashfirst Personal Loans

Apply for a personal loan through Cashfirst and have access to your approved funds within one business day.

Important Information

Cashfirst began operating as a lender under the Thorn Group of companies in 2010, and today it provides both secured and unsecured personal loans to Australian borrowers. Cashfirst is primarily an online lender, specialising in personal credit options that match people’s needs and situations. This includes if you are self-employed, have bad credit or earn income from other sources.

Find out about Cashfirst's loan options below and if they are right for you.

Compare types of personal loans from Cashfirst

Rates last updated December 13th, 2018
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
Cashfirst Unsecured Personal Loan
From 16.99% (fixed)
5 years
$50 (loan establishment fee)
Apply online for a loan today - all borrower types are considered. Min income $20k per year.
Cashfirst Secured Personal Loan
From 15.95% (variable)
5 years
$150 ($3.40 PPSR Fee)
A secured car loan offer with options for bad credit borrowers

Compare up to 4 providers

You can choose between applying for a secured or unsecured loan from Cashfirst:

  • Unsecured Personal Loan. You can apply for any amount between $1,000 and $15,000 with a Cashfirst unsecured personal loan, and the maximum loan terms can extend up to 5 years. You're also able to repay your loan early. How you use this loan is up to you, as long as it’s for a legitimate purpose. Interest is offered on a tiered basis, with rates starting at 16.99% p.a.
  • Secured Personal Loan. You can use the Cashfirst secured personal loan to buy a new car, or use a car you own as collateral (if it’s less than seven years old). You can borrow between $5,000 and $25,000. for maximum terms of 5 years, but you’re able to repay the loan ahead of time. Rates start at 15.95% p.a.

Features of a Cashfirst personal loan

If you’re considering applying for a Cashfirst personal loan, take some time to review the following:

  • Quick access to funds. If you meet Cashfirst’s lending criteria, you can get a loan proposal in as little as a minute. After approval, approved funds can be transferred to your bank account within 24 hours.
  • Repayment flexibility. Your first repayment is due one month after the loan is settled, but after this you can select weekly or fortnightly repayments. You can make repayments via direct debit, you can pay using a debit or credit card or via BPAY.
  • Fees. You’ll have to pay loan establishment fees no matter which loan you select. The unsecured loan has a establishment fee, and the secured loan has a $150 establishment fee.
  • Apply with less than perfect credit history. While credit checks form a part of its decision making process, Cashfirst also takes into account your existing financial situation and ability to make repayments when considering you for a loan. This means you’re able to apply for a loan even with a few black marks on your credit file.
  • Top up your loan. You can consider topping up your loan depending on the regularity of your payments and your existing financial situation. You can seek additional funds through a top up after six months after getting the initial loan, and you can apply online.

How to apply for a personal loan from Cashfirst

Applying for a Cashfirst personal loan is easy. To submit an online application simply click the ‘Go to Site’ button. To apply, you have to meet the following eligibility criteria:

  • You are over 18 years of age
  • You are an Australian resident
  • You earn $20,000 p.a. or more
  • You’re not currently bankrupt or under a Part 9 Debt Agreement

Completing the application requires that you provide different kinds of information, which includes the following:

  • Your complete name, date of birth, marital status and number of dependants
  • Your residential status, residential address, email address and phone number
  • Your employment status, your occupation, your employer’s name and your employer’s phone number
  • Details from an identification document like your Australian driver’s licence, passport or Medicare card
  • Your bank account details like your account number and your bank’s BSB
  • Details about your income from all sources

Cashfirst offers two competitive personal loan products for you to consider, but before you apply, compare them with similar offerings to see if you're applying for the right loan for you.

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Personal Loan Offers

Important Information*
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Citi Personal Loan Plus

You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. to 18.91% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 12.45% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

RateSetter Unsecured Personal Loan - 3yr Fixed

You'll receive a fixed rate from 8.11% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

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