FLEXIBLE
AFFORDABLE PAYMENT PLANS
Keeping it easy, keeping it affordable
Fast Personal Loans
$300 – $5000
RELIABLE
WE ARE HERE FOR YOU
Your needs are our priority. 25 years lending experience. You’re in safe hands
Fast Cash Loans Australia
$300 to $5,000, Trusted Lending Since 2001
Looking for a payday loan in Australia to cover an unexpected bill or emergency expense? Under Australian law, a payday loan is officially classified as a Small Amount Credit Contract (SACC) — a regulated loan of up to $2,000.
CASH PAID FAST¹
All Applications Considered
FLEXIBLE
AFFORDABLE PAYMENT PLANS
Keeping it easy, keeping it affordable
Fast Cash Loans
$300 – $5000
RELIABLE
WE ARE HERE FOR YOU
Your needs are our priority. 25 years lending experience. You’re in safe hands
Fast Cash Loans Australia – $300 to $5,000, Trusted Lending Since 2001
Looking for a payday loan in Australia to cover an unexpected bill or emergency expense? Under Australian law, a payday loan is officially classified as a Small Amount Credit Contract (SACC) — a regulated loan of up to $2,000.
Who We Are
As a family-owned lender in Australia with over 25 years in business (Australian Credit Licence holder 390591), we understand when people are in genuine financial stress and may need quick cash loans.
At Sure Cash Finance, our friendly staff assess every application for cash loans online with a high level of care and understanding.
As a member of the Australian Financial Complaints Authority (AFCA, member 43334), Sure Cash Finance is committed to fair dispute resolution.
Cash Loans From $300 to $5,000
Our small loans are offered across Australia in two distinct categories:
- Cash Loans — also known as Small Amount Credit Contract (SACC) loans — These short-term loans range from $300 to $2,000. This type of loan is always unsecured (no collateral required). The fees are a 20% establishment fee and a 4% monthly fee. SACC loans are a fee-based product, which means interest cannot be charged on these loans.
- Personal Loans — also known as Medium Amount Credit Contract (MACC) loans — These cover loan amounts from $2,001 to $5,000. There is a $400 establishment fee that is flat, regardless of the loan amount, plus 48% per annum interest. Whether security is needed for these Personal Loans of $2,001 to $5,000 is assessed on a case-by-case basis. Some applicants can obtain an unsecured loan within this range, while others will need to provide security.
There are no hidden fees for either loan type and no early repayment penalties.
Here is a loan example for an SACC loan ($300 to $2,000) range:
For a $1,000 loan over 6 months, the establishment fee would be up to $200 and the monthly fee up to $40 per month — a total maximum cost of $440 over the life of the loan. This amounts to a total payback of $1,000 (loan amount) plus $440 (costs) = $1,440.
Cash Loans From $300 to $5,000
Our small loans are offered across Australia in two distinct categories:
- Cash Loans — also known as Small Amount Credit Contract (SACC) loans — These short-term loans range from $300 to $2,000. This type of loan is always unsecured (no collateral required). The fees are a 20% establishment fee and a 4% monthly fee. SACC loans are a fee-based product, which means interest cannot be charged on these loans.
- Personal Loans — also known as Medium Amount Credit Contract (MACC) loans — These cover loan amounts from $2,001 to $5,000. There is a $400 establishment fee that is flat, regardless of the loan amount, plus 48% per annum interest. Whether security is needed for these Personal Loans of $2,001 to $5,000 is assessed on a case-by-case basis. Some applicants can obtain an unsecured loan within this range, while others will need to provide security.
There are no hidden fees for either loan type and no early repayment penalties.
Here is a loan example for an SACC loan ($300 to $2,000) range:
For a $1,000 loan over 6 months, the establishment fee would be up to $200 and the monthly fee up to $40 per month — a total maximum cost of $440 over the life of the loan. This amounts to a total payback of $1,000 (loan amount) plus $440 (costs) = $1,440.
Who Can Apply
We offer small loans throughout Australia, and the following are eligible to apply:
- People who are employed
- People who are self-employed, including small business owners
- Centrelink recipients, including those receiving:
- JobSeeker payments
- Disability Support Pension payments
- Carer payments
- Parenting payments
- Casual workers
- Single parents
- Those who are currently unemployed (where assessments are made on the basis of your ability to repay, rather than your current employment status)
Why Choose Sure Cash Finance
As a family-owned lender with over 25 years in business, Sure Cash Finance follows an inclusive lending approach towards all Australians. We consider applications from those who are employed, self-employed, unemployed, Centrelink recipients, casual workers, single parents and those with a negative credit history. We assess each applicant based on their overall financial picture, and that’s why our Google rating is 4.8 stars, based on over 454 customer reviews.
Explore Our Loans
Sure Cash Finance offers cash loans from $300 to $5,000 (including options for small personal loans with no security). What is our full range of loan products and who are they for?
- Payday Loans
- Unsecured Personal Loans
- Loans for People on Centrelink
- Loans for Casual Workers
- Loans for Single Parents
- Loans for the Unemployed
To explore our services in your local area, go to our Service Areas page.
| Loan Amount | $1,000 |
| Term | 26 weeks |
| Total fees and charges | $440 (this includes a $200 Establishment Fee, $240 in monthly fees) |
| Total pay back amount | $1440* |
SACC Loans are charged as follows: Flat 20% establishment fee and a 4% monthly maintenance fee.
The term on these loans is between 3 – 12 months
Sure Cash Finance offers Medium Amount Credit Contracts (MACC Loans) from $2001-$5000.
$2500 MACC loan example:
| Loan Amount | $2500 |
| Term | 26 weeks |
| Total interest, fees and charges | $773.83 (this includes a $400 establishment fee and $373.83 in reducing interest charges) |
| Total pay back amount | $3,277.83 |
The MACC loans are charged as follows: $400 establishment fee and a maximum APR of 48%. The term on these loans is between 3-24 months.
For both SACC and MACC examples, different amounts, different loan start dates and/or first payment date and terms will result in different total payback amounts. The above examples is if all payments are made on time and excludes any unascertainable fees and charges.
Why Choose Sure Cash Finance for Cash Loans
Several reasons make us a preferable choice for your cash loans. Here are a few:
Swift and Easy Application Process
Our online application process is simple and quick, ensuring you get your cash loan promptly without any hassle.
Fair and Transparent Operations
We believe in transparency and fairness. All the terms and conditions of our loans are communicated clearly to clients.
Catering to Varied Financial Needs
Whether you are a small business owner, a Centrelink recipient, or have a poor credit history, we provide tailored loan solutions for everyone.
Experienced and Supportive Team
Our team, with over 20 years of experience, ensures you get the best financial assistance.
How It Works
Sure Cash Finance provides fast cash loans online throughout Australia through a simple four-step process:
- Apply online or phone our friendly team on 1300 SURECASH (1300 787 322).
- Enter the amount you’d like to borrow and the amount of time to pay the loan off. The calculator will then show your repayment schedule (weekly and fortnightly) and the total amount payable.
- Tell us about the purpose of your loan.
- Provide your personal details and proof of identity.
Once your application is submitted, the Sure Cash team will assess it against responsible lending guidelines and contact you with the outcome. If approved and your contract is signed, funds are transferred to your account. While our team will act promptly, please bear in mind that your financial institution’s processing times may vary.
How It Works
Sure Cash Finance provides fast cash loans online throughout Australia through a simple four-step process:
- Apply online or phone our friendly team on 1300 SURECASH (1300 787 322).
- Enter the amount you’d like to borrow and the amount of time to pay the loan off. The calculator will then show your repayment schedule (weekly and fortnightly) and the total amount payable.
- Tell us about the purpose of your loan.
- Provide your personal details and proof of identity.
Once your application is submitted, the Sure Cash team will assess it against responsible lending guidelines and contact you with the outcome. If approved and your contract is signed, funds are transferred to your account. While our team will act promptly, please bear in mind that your financial institution’s processing times may vary.
Before You Borrow
Borrowing is not always the right choice for everyone. For one thing, it costs money, and there might be other options better suited to your individual situation.
WARNING: Do you really need a loan today? It can be expensive to borrow small amounts of money, and borrowing may not solve your money problems. Check your options at: moneysmart.gov.au
You can access the National Debt Helpline on 1800 007 007 to discuss your debt problems and solutions. You can also visit the government’s MoneySmart website for budgeting guidance
If you are experiencing financial hardship, Sure Cash Finance has a hardship policy. If you require hardship assistance, contact our team to discuss your situation.
Frequently Asked Questions
Why should I choose Sure Cash Finance for a cash loan?
As a family-owned Australian lender with over 25 years’ experience, Sure Cash Finance caters to employed and self-employed applicants, small business owners, Centrelink recipients and others.
Our inclusive lending approach considers loans for casual workers, single parents, and the unemployed. Applicants with bad credit are also eligible to apply
Sure Cash Finance ensures a fair process for cash loans online and considers your bigger financial picture and ability to repay in accordance with our responsible lending guidelines.
How quickly can I expect to get my approved loan transferred to my account?
We provide fast cash loans throughout Australia. If your loan application is approved and your contract is signed, funds are then transferred to your account. While our team will act promptly, please bear in mind that your financial institution’s processing times may vary.
Does Sure Cash Finance offer cash, payday and personal loans online?
Yes. Whether you need a payday loan for pressing needs or a personal loan for a more considerable expense, we offer cash loans online to suit these needs.
What loan amount does Sure Cash Finance offer?
Sure Cash Finance offers cash loans from $300 to $5,000. These range from $300 to $2,000 (Small Amount Credit Contract loan) and $2,001 to $5,000 (Medium Amount Credit Contract loan).
Do I need to provide security for a loan?
Cash Loans, called Small Amount Credit Contract (SACC) loans, range from $300 to $2,000 and never require security. Personal Loans, called Medium Amount Credit Contract (MACC) loans, range from $2,001–$5,000, and are assessed on a case-by-case basis to determine whether security is needed. In other words, some applicants might require security for a $2,001–$5,000 loan while others might not.
