You're heading to the official Cash Stop Pawnbroking store on eBay.
Getting a loan with Cash Stop is simple. Whether you need a small loan up to $2,000 or a personal loan up to $8,000, the steps are the same: a quick online application, a fast decision and fast funding straight to your bank account.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
For most users, the online form takes just a few minutes, and you can apply any time of day.
If you're approved,¹ your contract arrives by email to read and sign online. No printing and no branch visit needed.
Check your balance and loan details any time in the members' area, with courtesy reminders before repayments are due.
Pick the amount you need - the rest works exactly the same
Cash Stop offers two loan products online: a small loan from $200 to $2,000 for the smaller surprises, and a personal loan from $2,100 to $8,000 when you need more breathing room. The costs are structured differently (see the examples further down), but from your side the process is the same - the same simple steps, the same fair assessment and the same fast funding.¹
However much you borrow, we look at your real situation - your income and what you can comfortably afford - not just a credit score. Good credit, bad credit or Centrelink income, a past credit problem doesn't automatically rule you out.¹
The process is the same for small loans and personal loans
To apply you'll need to be at least 18, an Australian citizen or permanent resident, and receiving a regular income - including Centrelink payments. Have your phone, ID and bank details handy and you're ready to go.
Choose your amount - anywhere from $200 to $8,000 - and tell us a few details about yourself. For most users, the form takes just a few minutes to complete from any device, with no paperwork to print, sign or scan.
Securely share your bank statements online in seconds using our trusted, bank-grade verification partner. It's safe, read-only and saves you digging through paperwork - so we can assess your application faster.
We assess your application quickly and fairly. We check that the loan is suitable for you, meaning it meets your needs and objectives, and that you can afford the repayments on your current income without hardship. In most cases we can give you a decision the same day you apply.
Once you accept your contract, we transfer the funds straight to your bank account - usually within 30 minutes via NPP instant transfer.** Then it's yours to use for whatever you need.
**Usually within 30 minutes via NPP instant transfers.
Repayments that look after themselves
Your repayments are set up as automatic direct debits matched to your pay cycle, so they're predictable, manageable and impossible to forget. Everything is agreed up front in your contract - the amount, the schedule and the total cost - with no hidden fees along the way.
You're welcome to repay your loan early at any time. And if your circumstances change mid-loan, don't go quiet on us - get in touch and our team will work through it with you.
We'll remind you before each repayment. You'll get a courtesy reminder before every due date, and you can check your balance at any time in the members' area.
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 10 October 2026By the Cash Stop compliance department.
Apply online at cashstop.com.au from your phone or computer, or in person at any of our five Sydney branches. Choose your loan and how much you'd like to borrow, tell us about yourself and your income, and share your bank statements securely. We'll assess your application, and if you're approved¹ you'll get a contract to review and sign before any money is sent.
You need to be at least 18, an Australian citizen or permanent resident, and receiving a regular income, which can include Centrelink payments. To apply online you'll also need a mobile number, an email address, photo ID and your internet banking login, so you can share your bank statements. It helps to have details of your regular expenses and any other loans you're repaying.
Yes, you can apply online 24/7. Applications are assessed during office hours, so one sent in the evening or on a weekend may be assessed on the next business day. Our phone team is available Monday to Friday, 9:00am to 5:00pm, and until 5:30pm on Thursdays (Melbourne time).
Some applications get an outcome straight away if they don't meet our basic lending criteria. Otherwise, a person on our lending team reviews your application, usually on the same day, and may call or message you if anything needs checking. If you're approved¹, you review and sign your loan contract online as part of your application. It shows the amount, the fees, every repayment and the total you'll repay. If anything changes after assessment, such as the amount, we'll email you an updated contract to sign online.
As a responsible lender, we need to be sure a loan suits you and that you can afford it. Sometimes we need more detail to do that, for example to confirm your income, explain a transaction on your bank statement or verify your identity. Replying quickly helps us give you a decision sooner.
Your contract shows the date of your first repayment, and every one after it, before you sign. Repayments are matched to your pay cycle, so they come out around the time you're paid.
Repayments come out of your nominated bank account by automatic direct debit, timed to your pay cycle. We send a courtesy reminder before each one is due. You can make extra repayments or pay your loan out early at any time. If a repayment is going to be a problem, call us before it's due so we can talk through your options.
In many cases, yes. If your payday changes or a repayment date no longer suits you, call Online Loans on 1300 762 261 if you applied online, or Branch Services on 1300 644 957 if you borrowed in store, and we'll look at moving it. If you're in financial hardship, you can also ask for a hardship arrangement, such as a temporary change to your repayments.
Log in to the Cash Stop members' area to see your balance, upcoming repayments and loan details. If you'd like to pay your loan out early, call Online Loans on 1300 762 261 for an online loan, or Branch Services on 1300 644 957 for an in-store loan, and we'll give you the exact payout amount.
Yes, and it's usually quicker the second time. Existing customers can reapply from the members' area, where some of your details are already filled in and some checks are already done. A good repayment history with us can also help.¹ Each new application is still assessed on your circumstances at the time. As a responsible lender, if you've had two or more small loans in the last 90 days, or you're behind on one, a new small loan is unlikely to be suitable, so it's usually best to finish one loan before starting another.
Yes. The same loans are available over the counter¹ at our branches in Bankstown, Fairfield, Ingleburn, Parramatta and St Marys, and the assessment is the same. Bring your photo ID and details of your income. See Loans in Store for what to expect.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
The same loans in store - plus three more ways to get cash
The same loans are available over the counter¹ at every Cash Stop branch, with the same fair assessment - and our stores offer services you won't find online. Each one has its own page explaining exactly how it works. And if you're after a bargain, our official eBay store brings the best pre-owned finds from our counters online:
Apply in person for a small or personal loan up to $8,000, usually assessed the same day.¹
Borrow against your valuables with no credit checks - cash on the spot, item back when you repay.
Five Sydney branches, open five days a week
Every Cash Stop store offers loans¹, pawnbroking, gold buying and currency exchange over the counter. Drop in with your photo ID and our friendly local team will look after the rest - no appointment needed.
Helping Australians since 2000, online and in five Sydney branches. Meet the business behind the loans.
Real people, real decisions and every cost shown up front. See what sets Cash Stop apart.
Our fees, rates and terms spelled out - see what a loan could cost before you apply.
