1 – Our Loan Products
What are your needs? When assessing applications for cash loans throughout Australia, we recognise that everybody’s needs are different. And so are their financial circumstances. That’s why we offer specific options tailored to an individual’s situation. At Sure Cash Finance, we practise responsible lending and offer a range of personal loans throughout Australia, ranging from $300 to $5,000. These include:
SACC Loans (Small Amount Credit Contract) — These short-term loans range from $300 to $2,000. The fees are a 20% establishment fee and a 4% monthly fee. SACC loans are a fee-based product — interest cannot be charged on these loans.
MACC Loans (Medium Amount Credit Contract) — 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.
For a $2,500 personal loan over 10 months, the comparison rate is 85.17% p.a.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Payday Loans ($300–$2,000)
Loans for Centrelink Recipients
Unsecured Personal Loans
Bad Credit Loans
Loans for Unemployed
Loans for Casual Workers
$500 Loans
$1,000 Loans
$1,500 Loans
$3,000 Loans
$4,000 Loans
2 — Who Can Apply?
Sure Cash Finance lends to a broad range of Australians — not just people with perfect credit. As an Australian Credit Licence holder (ACL 390591), we practise responsible lending and consider applications from a wide range of people. These include:
- Australians in regular employment.
- People receiving Centrelink payments, such as JobSeeker payments, Disability Support Pension (DSP) payments, carer payments, parenting payments, and Age Pension payments.
- People with bad credit or past defaults.
All applications are individually assessed under responsible lending obligations, and not all applications will be approved.
3 — How It Works — 4 Simple Steps
For those seeking finance loans online, we review applications using a simple, 4-step online process as follows:
- To apply online, open our loan calculator and enter the amount you’d like to borrow and the repayment time. The calculator will then show your repayment schedule and the total payable. You can complete the application form in minutes.
- Our friendly Sure Cash team will assess your application against responsible lending guidelines and contact you with the outcome.
- If your loan is approved, you’ll receive a loan contract to review and sign.
- Once your signed contract is received, funds are transferred to your nominated bank account. While our team will act promptly, please bear in mind that your financial institution’s processing times may vary.
4 — Why Sure Cash Finance?
Why choose us over other lenders? Sure Cash Finance (Australian Credit Licence holder 390591) is a family-owned Australian lender with over 20 years in business. We understand when people are in genuine financial stress and might need an emergency loan or Centrelink loans. That’s why our Google rating is 4.8 stars, based on over 454 customer reviews.
Our trained and friendly staff assess each customer’s situation individually and provide support for our clients. We approach every interaction 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.
5 — Responsible Borrowing
Borrowing is not always the right choice for everyone. For one thing, it costs money, and there might be other options that are 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 also access the National Debt Helpline on 1800 007 007.
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.
Another possible alternative for eligible recipients is to apply for Centrelink advance payments.
6 — Frequently Asked Questions
What types of loans does Sure Cash Finance offer?
Sure Cash Finance offers two main types of loan, in accordance with legislation and our responsible lending policy:
- SACC Loans (Small Amount Credit Contract) — These loans range from $300 to $2,000 and have a repayment period up to 12 months.
- MACC Loans (Medium Amount Credit Contract) — These loans range from $2,001 to $5,000 and have a repayment period up to 12 months.
How much can I borrow and how long do I have to repay?
The exact answer to this depends on your needs and financial situation. Go to our online loan calculator and enter the amount you need and how long you require to fully repay it. The calculator will then show you the amount of each repayment (shown as weekly, fortnightly, and monthly figures). If you require any further information or assistance, contact our friendly team.
Can I apply if I have bad credit or receive Centrelink?
Yes. Even if you don’t have perfect credit, you can apply for a loan online. You can rest assured that Sure Cash Finance will make fair and reasonable decisions that take your full financial picture into account. All applications are assessed in accordance with responsible lending obligations, and not all applications will be approved.
If you have any further questions or need assistance, contact our friendly staff to discuss your situation.
What are the fees on a Sure Cash Finance loan?
Our fees on an SACC Loan (Small Amount Credit Contract — from $300 to $2,000) are a 20% establishment fee and a 4% monthly fee. On an MACC Loan (Medium Amount Credit Contract — from $2,001 to $5,000), the fees are a $400 establishment fee plus 48% per annum interest.
For a $2,500 personal loan over 10 months, the comparison rate is 85.17% p.a.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How do I apply for a loan online?
To apply for one of our online loans, click the Apply Now button and fill out the application form. Our team will then assess your application against responsible lending guidelines and contact you with the outcome.
