Loan Costs, Rates & Terms
Every fee, rate and term - spelled out before you apply. See exactly what our small loans and personal loans cost, with worked examples, so you have the full picture before you sign anything.
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Nobody likes surprises on a loan. This page sets out exactly what our cash loans and personal loans cost - the fees, the rates, the terms and worked examples - so you can see the full picture before you apply. Whatever you agree to, your contract shows the total amount you'll repay before you sign anything.
Every fee is on this page and in your contract before you sign. The costs here are the costs.
Australian Credit Licence 389 433, with our fees and interest set within the legal limits.
Pay your loan out early at any time, with no extra fee for doing so.
Cash Stop is a licensed lender (Australian Credit Licence 389 433) operating under the National Credit Code. Our fees are set within the caps the law allows, every application is assessed on your income and what you can comfortably afford, and we're a member of the Australian Financial Complaints Authority (AFCA, member number 45392) - the ASIC-approved external dispute resolution scheme - so you always have a free, independent avenue if something isn't right.
There are no hidden fees. The costs on this page are the costs.
Two simple fees, no interest, no APR
Our fast cash loans are small amount loans under the National Credit Code, which means the costs are fees - interest isn't permitted on loans of this size, so an APR doesn't apply. There are exactly two fees, both calculated on the amount you borrow:
Fee | How Much | When You Pay It |
|---|---|---|
Establishment Fee | 20% of the amount borrowed | Once, when your loan is set up |
Monthly Fee | 4% of the amount borrowed | At settlement, then on each monthly anniversary |
Interest | $0 | Never - not permitted on small amount loans |
Worked Example | $1,000 over 3 months | $320 in fees (1 × $200 + 3 × $40) - repay $1,320 |
Loan terms run from a minimum of 2 months to a maximum of 12 months, and repayments are set up as automatic direct debits matched to your pay cycle.
One establishment fee plus capped interest
Our personal loans are medium amount loans, and their costs work differently to cash loans:
Fee | How Much | When You Pay It |
|---|---|---|
Establishment Fee | $400 | Once, when your loan is set up |
Interest | Up to 45% per annum (excluding the establishment fee) | Built into your regular repayments |
Worked Example | $2,500 over 13 months | $1,525 in fees & interest - repay $4,025 |
Because the law's Annual Cost Rate (ACR) measure includes the establishment fee, the ACR in the examples below ranges from 44.95% to 46.03% depending on the amount and term - that's the establishment fee showing up in the annual figure, not extra interest. The comparison rate, based on a loan of $2,500 over 24 months, is 34.28%.
Loan terms run from 12 to 20 months, with the same automatic repayments matched to your pay cycle.
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 26 August 2026By the Cash Stop compliance department.
Cash loans (up to $2,000) carry two fees, both calculated on the amount you borrow: a one-off 20% establishment fee, and a 4% monthly fee charged at settlement and then on each monthly anniversary. No interest is charged - the National Credit Code doesn't permit interest on small amount loans - so an APR doesn't apply. For example, a $1,000 loan over 3 months costs $320 in fees (1 × $200 + 3 × $40), for a total repayment of $1,320.
Personal loans ($2,100 to $8,000) carry a $400 establishment fee plus interest at a maximum of 45% per annum (excluding the establishment fee). Because the Annual Cost Rate (ACR) includes the establishment fee, the ACR in our published examples ranges from 44.95% to 46.03% depending on the amount and term. Your contract shows the exact fees, rate and total repayments for your loan before you sign.
A comparison rate rolls the interest rate and most fees into a single percentage so you can compare the true cost of loans. For our personal loans, the comparison rate based on a loan of $2,500 over 24 months is 34.28%. A comparison rate applies only to the example given - different amounts and terms will result in different comparison rates.
No. Before you sign anything, your loan contract sets out the establishment fee, the ongoing fees or interest, your repayment schedule and the total amount you'll repay. What you agree to is what you pay.
Yes - you're welcome to repay your loan early at any time. Get in touch with our team and we'll arrange it.
Contact us as soon as you can - the earlier we know, the more we can do. If your circumstances have changed, our team will work through your options with you. If you're ever unhappy with how something is handled, our dispute resolution process is free, and we're a member of the Australian Financial Complaints Authority (AFCA), an ASIC-approved external dispute resolution scheme.
Cash loans run from $200 to $2,000 over 2 to 12 months. Personal loans run from $2,100 to $8,000 over 12 to 20 months. How much you can borrow depends on your income and what you can comfortably afford to repay.
*Subject to verification, suitability and affordability.
**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
Small amounts from $200 to $2,000 for an unexpected bill or one-off expense.¹
Fund a holiday, a special occasion or a larger purchase - borrow $2,100 to $8,000 and pay it back over time.¹
From application to decision - see how a Cash Stop loan works, step by step.
