Sure Cash Finance practises responsible lending and considers applications from a wide range of Australians. These include:People in regular employment.

• People in regular employment.
• People receiving Centrelink payments, such as
  • JobSeeker Payment, which is financial help for people between 22 and Age Pension age who are looking for work. It also applies in the case of sickness or injury, when you can’t work or study for a short time.
  • Disability Support Pension (DSP) provides financial assistance for those with permanent physical, intellectual or psychiatric conditions that prevent them from working.
  • Carer Payment — This is income support for those who provide constant, full-time care to someone with a severe disability, illness, or frailty. 
  • Parenting Payment, which is available for the principal carer of a child when certain criteria are met.
  • Age Pension, which applies to people 67 years or older.
• People with bad credit or past defaults.

All applications are individually assessed under responsible lending obligations. Approval is not guaranteed.
For more information, see:
Loans for Centrelink Recipients
Bad Credit Loans

We process applications for payday loans (SACC loans) throughout Australia using an online process as follows:

1. Open our online loan calculator and 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 and the total payable.
2. Tell us about the purpose of your loan. For example, is it for bills, an emergency expense, household goods, car repairs or some other expense?
3. As part of the application, provide your personal details and proof of identity.
4. 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.

Your loan has an establishment fee of up to 20% of the loan amount, plus a monthly fee of up to 4% of that loan amount.

Here is a loan example:

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.
There are no hidden fees and no early repayment penalties. See our full fee and cost breakdown.

Why choose us? Sure Cash Finance 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 a Centrelink payday loan. That’s why our Google rating is 4.8 stars based on over 454 reviews from our customers.

Our friendly staff assess every situation personally 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.

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. A government service for anyone seeking financial guidance or to make better-informed decisions is moneysmart.gov.au.

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. If approved, this allows you to receive a portion of your future Centrelink payments as a lump sum upfront.

How quickly will I receive my funds after approval?

We will process your application as quickly as possible. If approved and your contract is signed, your loan 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.

What is the minimum and maximum repayment term for a payday loan?

In accordance with Small Amount Credit Contract (SACC) regulations, a payday loan in Australia has a minimum repayment term of 16 days and a maximum of 12 months. The amount that can be borrowed ranges from $300 to $2,000. Loan repayments for a Sure Cash Finance loan can be structured as either weekly or fortnightly payments.

What are the exact fees on a Sure Cash Finance payday loan?

This loan has an establishment fee of up to 20% of the loan amount, plus a monthly fee of up to 4% of that loan amount.
Here is a loan example:

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.
There are no hidden fees and no early repayment penalties. See our full fee and cost breakdown.

Can I get a payday loan if I receive Centrelink or have bad credit?

It might be possible, depending on your exact circumstances. We assess every application in accordance with responsible lending practices and look over your complete financial picture before making a decision. We understand that people from all walks of life receive Centrelink payments, from parents to pensioners to job seekers to people living with a disability. You can apply online or chat with our friendly team for more information.

What happens if I can’t make a repayment?

If you can’t make a repayment, contact our financial hardship team immediately. Provide details about the situation and how long it is expected to last. You could also reach out to the National Debt Helpline or consult resources such as the government’s Moneysmart website.

How has the definition of ‘payday loan’ changed under Australian law?

The definition of payday loan in Australia has definitely changed due to legislation. Originally, a payday loan simply meant that you needed a loan until payday. As the industry for these short-term loans expanded across Australia, legislation was introduced, and a payday loan is now defined as a Small Amount Credit Contract (SACC). This is a short-term loan that:

• has a credit limit of up to $2,000.
• has a loan term ranging from 16 days to 12 months.
• is not a continuing credit contract.
• is not provided by an authorised deposit-taking institution (such as a bank).
• has no security for the debtor’s obligations under the contract.