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Personal Loans

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Whether you need to sort out your finances, fix the car or finally start those home improvements, a personal loan could be the ideal solution.

Personal loans let you borrow money but without putting up your assets as security. At CashnGo, we provide same day loans, giving you the cash you need right away. Why not use our personal loan calculator to see how much you could borrow?

Our application process takes just a few minutes to complete, with our innovative technology providing you with a decision immediately. If approved, the money you need will be on its way to your bank account within seconds.


Effortless Process

Our loan application takes about 5 minutes to complete. We have made the process simple and effortless. 

Secure Application

We know security is important and we can assure you all of your details will remain 100% confidential.

Outcome in Seconds

Our intelligent technology aims to provide you with a quick decision.

Instant Funds Transfer

Upon approval of your application, your money will be transferred within seconds (bank transfer delays may apply). Happy Shopping!

What Is A Personal Loan?

Personal loans (sometimes called unsecured loans) are borrowing products you can take out for virtually any purpose. Their main advantage is that you don’t need to put up any assets as security, such as your car or house.

Unlike credit cards, personal loans give you a set amount of money which you’ll then need to repay with interest in installments, for a specified time period. Loan terms vary by lender, with some requiring you to pay the money back over a few months and others over several years.

At CashnGo, we provide small loans and short loan periods.

Another big difference to credit card borrowing is that after you’ve paid a personal loan debt in full, the loan ends and your account will be closed. If you want to borrow more money, you’d need to apply for another loan.

Personal loans are a straightforward route to getting the cash you need quickly.

Fast Personal Loans up to $2000
With YOU In Mind.

Why Take Out A Personal Loan?

A personal loan is a good option if you’re looking to consolidate high-interest debts or pay for something expensive like a new car or home improvements. A personal loan can help you make a big purchase more easily. By breaking a big expense into smaller payments over time, the cost becomes more manageable. You’ll usually pay less interest on personal loans than credit cards, particularly if you have good credit.

Another benefit of personal loans is that they’re unsecured. This means that they don’t require collateral. Whilst a secured loan backed by your own assets is likely to be cheaper, you risk losing the asset should you default. When used sensibly, an unsecured personal loan can give you financial assistance without jeopardizing your home or other assets.

What Can I Use A Personal Loan For?

Personal loans are very versatile in that you can use them for a wide variety of purposes. Unlike a car loan, student loan, or mortgage, a personal loan can be used to cover various expenses. These could include car repairs, a vacation, wedding, medical bills, and consolidating credit card debt. There are no restrictions on what you can use personal loans for, which is one of the reasons they’re so popular. Personal loans are an increasingly common financing option for consumers, with demand rising in Australia.

One of the most common reasons for taking out personal loans is debt consolidation. If your current creditors are charging you a high-interest rate, using a personal loan to consolidate debts is recommended. If you’re consolidating credit card debts, make a decision not to use the cards whilst you’re paying off your loan. Credit cards can be enticing, and you could easily end up in the same situation but with even more debt.

Will I Qualify For A Personal Loan?

Different lenders will have varying requirements for personal loans in Australia. However, in general, whether or not you qualify will depend on your personal circumstances and credit history. It’s a good idea to carry out a personal loan comparison so that you can sort loans by interest rate, as well as your chances of being approved. Although a good credit history will improve your chances of getting a personal loan, we may still be able to help if you have bad credit. If you’ve been turned down for an ANZ personal loan, CBA personal loan, or NAB personal loan, don’t worry. CashnGo may be able to provide you with the cash you need, today.

The only way to find out for sure whether you qualify for a personal loan with CashnGo is to complete our quick and easy application form online. The process takes just a few minutes, and you’ll be given an instant decision too. Keep in mind that like other lenders in the industry, we carry out credit checks on our customers.

Can I Get A Personal Loan With Bad Credit?

At CashnGo, we provide cash loans for bad credit. So, even if your credit score isn’t as healthy as you’d like, we might still be able to help you. We’ll always consider your application, considering several factors when we make our decision. If you have a regular income and you meet our lending criteria, you may be eligible for a fast same day loan.

Other lenders may reject you when applying for a bad credit cash loan. However, we understand that financial problems in your past shouldn’t impact your future. If you need to borrow money but your credit score is stopping you, why not apply for a CashnGo Bad Credit Loan?

How Will A Personal Loan Affect My Credit Score?

You may be wondering if taking out a personal loan will affect your credit score. Much like any other form of credit, the impact it will have on your credit depends largely on your repayment behavior. If you make payments on time, you’ll help to build a positive credit history for yourself. This will improve your chances of getting other forms of credit. However, if you make payments late or miss them altogether, this can damage your credit score. A lower credit score means you’ll be less likely to get credit at good rates.

You may notice a sudden drop in your credit score when you first take out a personal loan. However, this is likely to be temporary. Once you start to make regular payments on your loan, your score will improve. You should also consider that when you apply for a personal loan, a hard inquiry may be left on your credit report, even if your application is declined. This might negatively affect your credit score, depending on your situation.

How Our Personal Loans Work

If you’re interested in taking out a CashnGo loan, the first step is to use our very own loan repayment calculator. This will allow you to see how much it will cost you as well as what your repayments will look like. You can choose the loan amount and loan length to find out the fees you’ll be charged and the total repayment amount. We offer loans of all sizes, allowing you to be specific about how much you need to borrow. Whether you need a few hundred dollars to fix the family car or a couple of thousand to consolidate a high-interest credit card, we can help.

If you’re happy with the payment details, you can go then begin the personal loan application process. It’s quick and easy to apply for personal loans with CashnGo, and you’ll receive our decision within seconds. If we can give you a loan, we’ll make sure we transfer the funds to your bank account right away. We understand that sometimes you may need cash fast, and so we’ll never make you wait longer than necessary for your money. You can apply for a personal loan with CashnGo whenever you like via your computer, tablet, or smartphone, making borrowing the money you need easier than ever. You can also head to one of our self-service kiosks to apply. We are one of the leading personal loan providers in Australia, so why go anywhere else to borrow cash quickly and responsibly?

What Are Your Personal Loan Rates?

If you’re interested in applying for a quick loan with CashnGo, you may be wondering about our interest rates. The good news is our rates are very reasonable and incredibly competitive compared to other lenders. Personal loan rates depend on the amount borrowed, as well as your individual circumstances. We’re always completely upfront about our interest rates and associated fees. All the costs are completely transparent during the application process, with no hidden fees or charges.

Is a Personal Loan Right For Me?

Before you apply for a loan, we recommend thinking carefully about why you want it, as well as evaluating your other options. You may be thinking about taking out a loan to pay for something you want but don’t need. Whilst you’re certainly within your rights to do this, in some cases it may be better to save up for it rather than borrowing and paying interest on it. If that’s not an option, it’s important to make sure that you can afford to add the monthly repayments to your budget.

So, what do you need to apply for an online personal loan?


Personal details

You need to be at least 18 years old to apply for a loan. We will ask you to provide us with your personal information and also a valid mobile number and email address.


Bank details

Forget payslips, bank statements and other paperwork. Our advanced in house technology enables you to use your internet banking details securely so that we can instantly verify your income and expenses all without using a third party provider. We will also facilitate direct bank transfers from your account on the day your repayments are due.


Recurring Income

You will need to have a recurring source of income; this can include income such as regular government payments or payments from your job.






Why wait? Apply for fast Persoanl Loans Online for FREE! Find out in just a few minutes whether you are eligible for a short term personal loan from us, usually with the cash transferred to your bank account the same day!

How Customers Rate CashnGo's Personal Loans

Overall Rating: 4.9 out of 5 based on 3789 customer reviews

Fast application • Outcome in seconds • Direct Lender

Everywhere From Sydney To Perth