Want a loan? Receiving Centrelink?
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Speedy & efficient loan assessment with instant funds
transfer within 15 minutes of loan approval*

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Select an online loan amount and Select the length of your loan

Total costs
Total repayable

The cost is made up of a 20% establishment fee and 4% monthly fee

Easy application process and timely approvals

Centrelink Recipient Loans from $50 – $5,000

As a responsible lender Cash Stop offers loans to customers who receive the majority of their income from Centrelink Benefits or Pensions. These loans can be used to cover urgent expenses such as unexpected bills or even just for your travel needs, where we deposit the funds directly into your bank account.

Not only is the Online Centrelink Recipient Loan Application process hassle-free for all customers, but we also fund approved loans within 15 minutes of acceptance in most instances*.

Applying for a Short Term Online Centrelink Recipient Loan has never been easier!

  • The simple Centrelink recipient loan application only takes minutes to complete
  • Transparent fee structure with Cash Stop with no hidden charges
  • Instant funds transfer within 15 minutes of loan approval and acceptance any time of day*.
  • Poor credit? We review all applications responsibly; previous credit related issues may not affect your application!
  • You can apply anywhere in Australia

*Instant funds transfer is dependant on your bank supporting NPP payments


What is a online cash loan?

A Online Cash Loan is a short-term loan for a small amount for those who need fast cash before Payday. For online cash loans we deposit the cash directly into your nominated bank account within 15 minutes of loan approval and acceptance.

What repayment periods are available?

Our online cash loans run in length from 62 days to 1 year with Weekly, Fortnightly or Monthly payments. Once we review your financial situation we tailor the repayment terms to fit within your budget.

What are the fees on a online cash loan?

Small Amount Credit Contract (SACC) – $50 – $2000
All rates and fees available upon request and are fully disclosed in your contract documents for your review and acceptance. Our Small Amount Advances are provided as Small Amount Credit Contracts (SACCs) which have Establishment Fee equaling 20% of the amount borrowed and a monthly fee of 4% of the amount borrowed.  As a representative example a loan of $1000 over 3 months has fees and charges totaling $320 (1x $200 + 3x $40) and a total repayment of $1320 equating to 3 monthly payments of $440 .
Personal Loan – $2001 – $5000
Our Personal Loans are provided as MACCs. All loans falling into the category of a Personal Loan (Medium Amount Credit Contract – MACC) are subject to maximum amount of fees, charges and/or interest as follows: Loan Settlement Fee (Establishment Fee) $400. Maximum fees, charges and or Interest however expressed equal to a maximum all inclusive equivalent cost rate of 48% APR (excluding the $400 fee).

What interest is charged on an online cash loan (APR)?

SACC – $50 – $2000
Under the current NCCP legislation interest is not permitted to be charged on a Small Amount Credit Contract (SACC). As per above Cash Stop charge the legislated establishment fee (20%) and monthly fee (4%).  Although interest is not charged on a SACC if the permitted fees were expressed as an APR the maximum APR for a SACC loan would be 183.34% for loan applications started from this landing page.
Personal Loan – $2001 – $5000
Our Personal Loans are provided as MACCs. All loans falling into the category of a Personal Loan (Medium Amount Credit Contract – MACC) are subject have a maximum APR Rate of 48% (excluding the $400 fee).

What if I cannot repay on the due date?

If you fail to make payments the cost of your loan may increase.

If you need to change a payment contact us as soon as possible. We always work with our customers to ensure that their repayments are affordable at all times during their loan and understand that circumstances may change. By advising us ahead of time, you can avoid the payment dishonour fees imposed by your bank. If you need to change your payment you need to contact us at least 2 days before your payment is due.  If you loan carries over into a new monthly period you may also be liable for another monthly fee (4%) as per your loan contract.

If your direct debit fails due to insufficient funds in your account you may be charged a dishonour fee by your bank plus a $40 dishonour fee. T

If we can’t recover the money after 60 days and following the issuing or all required notices we may place a default on your credit file. This default will be marked as paid once you have fully repaid your loan including any fees. It will however remain on your credit file for up to 5 years.

Can I pay off my online cash loan early?

Yes, if the online cash loan is paid off early, the Credit Provider may charge a fee for a MACC loan. For a SACC loan no additional fee will be charged, only due permitted monthly fees are chargeable.

Need more information?

Please visit our FAQ Section for further information.

Note: These terms and FAQ's will apply to loan applications started from this landing page and/or source.

Online loans from $200 to $5,000 with timely approval