You're heading to the official Cash Stop Pawnbroking store on eBay.
Get a fast cash loan up to $2,000 or a personal loan up to $8,000 with Cash Stop.¹
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Rated 4.5 - based on 337 Google reviews across our branches
They were very helpful and I would get alone through them again.
Easy to apply, staff were friendly and professional. They were very helpful.
So kind, so friendly and helpful. They were amazing and I appreciate them a lot. Highly recommend :)
Real help when you need a little extra
At Cash Stop, we know life doesn't always go to plan. Whether it's an unexpected bill, a car repair or another one-off cost, we make it simple to apply online and get a fast decision - without the judgement.
We look at your real situation, not just a credit score. Good credit, bad credit, Centrelink income or a past credit problem - you'll still be considered.¹ Once approved, your funds can land in as little as 30 minutes. See how it works.
Good or bad credit considered.¹ We focus more on your current income and affordability.
In most cases, we can assess your application on the same day.
On approval¹, funds can be sent to your bank account in as little as 30 minutes with NPP**.
Our online application takes just a few minutes from your phone, tablet or computer - no paperwork, no queues and no awkward conversations. Connect your bank statements securely and we'll do the rest.
Most completed applications get a same-day decision. If approved¹, we send your money straight to your bank account, often within 30 minutes of approval via NPP.** It really is that easy.
Cash Stop has been helping everyday Australians get the cash they need for over 26 years. Today, our quick online application puts that same trusted service at your fingertips - apply from anywhere, anytime.
Why borrowers choose Cash Stop:
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Need money in a hurry? Apply online and, once approved¹, get your cash fast - often within 30 minutes**.
Fund a holiday, a special occasion or a larger purchase - borrow $2,100 to $8,000 and pay it back over time.¹
See what a loan could cost you, with no hidden fees
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $160 | $660 |
| $1,000 | $320 | $1,320 |
| $1,500 | $480 | $1,980 |
| $2,000 | $640 | $2,640 |
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $220 | $720 |
| $1,000 | $440 | $1,440 |
| $1,500 | $660 | $2,160 |
| $2,000 | $880 | $2,880 |
| Borrow | Costs | Repay |
|---|---|---|
| $2,100 | $1,345 | $3,445 |
| $2,200 | $1,390 | $3,590 |
| $2,500 | $1,525 | $4,025 |
| $2,999 | $1,749 | $4,748 |
| Borrow | Costs | Repay |
|---|---|---|
| $3,000 | $1,750 | $4,750 |
| $3,500 | $1,975 | $5,475 |
| $4,000 | $2,200 | $6,200 |
| $4,600 | $2,470 | $7,070 |
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,650 | $7,650 |
| $6,000 | $3,100 | $9,100 |
| $7,000 | $3,550 | $10,550 |
| $7,500 | $3,775 | $11,275 |
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 6 months has fees and charges totalling $440 (1 x $200 + 6 x $40), resulting in a total repayment of $1,440. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
EXAMPLE: A Personal loan of $2,500 for 13 months has fees and charges totalling $1,525. The Minimum loan term is 12 months and the Maximum loan term is 13 months. Maximum ACR of 44.95% and total repayments of $4,025. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $4,000 for 15 months has fees and charges totalling $2,200. The Minimum loan term is 15 months and the Maximum loan term is 16 months. Maximum ACR of 45.31% and total repayments of $6,200. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $5,000 for 19 months has fees and charges totalling $2,650. The Minimum loan term is 19 months and the maximum loan term is 20 months. Maximum ACR of 46.03% and total repayments of $7,650. The Comparison Rate, based on a loan of $10,000 over 36 months, is 25.35%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
This content was last reviewed on 15 October 2026By the Cash Stop compliance department.
A cash loan is a short-term loan paid straight into your bank account to cover an unexpected bill or one-off cost. At Cash Stop, cash loans run from $200 to $2,000 over 2 to 12 months, with a one-off 20% establishment fee, a 4% monthly fee and no interest. If you need more, a personal loan covers $2,100 to $8,000. Most people can apply online in a few minutes, and once you're approved¹ the money usually arrives within 30 minutes via NPP.**
It mostly comes down to how much you need:
Borrowing only what you need keeps the cost down. You choose your amount when you apply, and we'll only lend what you can comfortably afford.¹
Not the kind you repay in one lump sum on your next payday. Our cash loans of $2,000 or less are what many people call payday loans, but you repay them in smaller instalments over 2 to 12 months, timed to your pay cycle. They're regulated as small amount credit contracts, so the fees are capped by law, and we make sure your repayments on all small loans combined stay within 10% of your after-tax income.
You can borrow as little as $200, but no responsible lender can promise instant approval: we need to check that a loan suits you and that you can afford it. Most completed applications get a decision the same day, and once you're approved¹ and have signed your contract, the money is usually in your account within 30 minutes via NPP.**
It depends on what suits you:
Yes. At any of our branches you can sell unwanted gold or jewellery for cash on the spot. Or you can pawn an item: we lend against it and give it back when you repay. Pawnbroking has no credit check and never affects your credit score, even if you decide not to repay (we keep the item instead). Just bring the item and photo ID.
To apply, you need to:
We can't lend to anyone who is currently bankrupt or in a debt agreement. Every other application is assessed on your income and what you can afford, so it's worth applying even if you've been turned down elsewhere.¹
It depends on how much you borrow. For small loans up to $2,000, there's no credit check. For personal loans over $2,000, a credit check is done later in the application, only if your application looks likely to be funded, and that enquiry is recorded on your credit file. Either way, we consider your full circumstances - not just your credit history - so a less-than-perfect score doesn't automatically mean no.¹
Most people use our loans for one-off costs, such as car repairs or registration, medical, dental or vet bills, replacing a fridge or washing machine, a rental bond or an urgent bill. Our loans aren't designed for everyday living costs like rent or groceries. If those are getting hard to cover, please contact us.
Log in to the members' area to see your balance, upcoming repayments and loan details. You can also reapply there with some of your details already filled in. For help with an online loan, call 1300 762 261. For an in-store loan, contact your branch.
We have five branches in Sydney: Bankstown, Fairfield, Ingleburn, Parramatta and St Marys, open five days a week. Each branch page has its address, opening hours and directions. Not near a branch? You can apply online from anywhere in Australia.
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Over 26 years helping Australians, with fast cash loans when they need them.
From application to decision - see how a Cash Stop loan works, step by step.
Real people, costs up front and honest answers. See what makes Cash Stop different.
