Who Is Cash Train?
Cash Train is a well-established Australian lender with over 20 years of experience in responsible lending. As members of the National Credit Providers Association, they are dedicated to providing accessible and practical financial solutions to individuals across the country. With a network of branches nationwide and the convenience of online applications, Cash Train ensures that their services are within reach for everyone.
Focused on delivering flexible and inclusive credit options, Cash Train aims to support a wide range of financial needs while maintaining a commitment to fairness and transparency in consumer lending.
What Products Does Cash Train Offer?
Cash Train provides a variety of loan options to meet diverse financial needs. Their offerings include:
Bad Credit Loans
Tailored to assist individuals with less-than-perfect credit histories.
Payday Loans
Short-term cash advances available through an easy online application.
Same Day Loans
Quick access to funds when timing is critical.
Cash Loans on Centrelink
Loans designed to supplement short-term cash flow for those receiving Centrelink benefits.
Personal Loans
Flexible loans for expenses such as car purchases, holidays, or bills.
No Credit Check Loans
Options available even for those with poor credit history.
Emergency Loans
Fast solutions for unexpected financial emergencies.
Short Term Loans
Ideal for addressing immediate financial needs.
Pensioner Loans
Loans designed to supplement pension income.
Fast Cash Loans
Quick and straightforward solutions for urgent expenses.
Quick Loans Online
Streamlined application process for online access to funds.
Online Loans
Versatile loans for various personal requirements.
Small Loans
Suitable for smaller financial needs with flexible options.
Cash Train’s extensive product range is geared toward providing quick, accessible, and convenient financial support for Australians in need.
Why Apply for a Cash Train Loan?
Cash Train stands out as a reliable option for individuals seeking quick and accessible financial solutions. Here’s why:
Easy Application Process
The online application takes only a few minutes, requiring simple details like bank information to get started.
Inclusive Lending
Each application is evaluated individually, meaning Cash Train may be able to assist even if you’re unemployed or have a poor credit history.*
Fast Approval
The streamlined process ensures lending decisions are made promptly, saving valuable time.
No Hidden Costs
Transparent terms mean you’ll know exactly how much your loan will cost, with no surprises.
Flexible Payout Options
Approved loans can be collected in cash from a branch* or transferred directly to your bank account.
Customisable Loan Amounts
Borrow between $200 and $4,600, with lower limits designed to help you avoid borrowing more than necessary.
Cash Train combines efficiency, inclusivity, and transparency, making it a convenient choice for short-term financial needs.
Example Loan Costs
Cash Train's Cash Loans are subject to a 20% Establishment Fee and a 4% monthly fee based on the borrowed amount. For instance, borrowing $1,000 over a 3-month term incurs fees totaling $320. This includes a one-time $200 establishment fee and $40 monthly fees for three months. The total repayment amount for this loan would be $1,320.
Loan terms range from a minimum of 2 months to a maximum of 12 months. An Annual Percentage Rate (APR) does not apply to Cash Train’s Cash Loans.
Important Warning: The comparison rate provided applies only to the example above. Loan costs will vary depending on the amount and term. Additional charges, such as redraw fees or early repayment fees, and potential savings, such as fee waivers, are not included in the comparison rate but may impact the overall cost of the loan.