At Sure Cash Finance, we pride ourselves on being inclusive lenders. We consider applications from a wide range of Australians. These include:

• People in regular employment
• People who are self-employed
• Small business owners
• People receiving Centrelink payments, such as JobSeeker, Age Pension, Disability Support Pension (DSP), Carer Payments and Parenting Payments
• People with bad credit or past defaults are also eligible

All applications are assessed individually in accordance with our responsible lending obligations. Approval is not guaranteed and depends on the applicant’s ability to repay. As an Australian Credit License holder (ACL 390591), Sure Cash Finance is required by law to assess your ability to repay before approving any loan.

What are your needs? Are you looking for a personal loan requiring no collateral? Or a Centrelink personal loan? Because everyone’s financial circumstances are different, Sure Cash Finance offers two specific options ranging from $300 to $5,000:

• Cash Loans – also known as Small Amount Credit Contract (SACC) loans. These loans are unsecured (no collateral required) and range from $300 to $2,000. The repayment terms can vary from 16 days to 12 months.
• Personal Loans – also known as Medium Amount Credit Contract (MACC) loans. These cover loan amounts from $2,001 to $5,000 and have a repayment period up to 24 months.

There are no early repayment fees for either loan type. Whether security is needed for 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.
You can open our online loan calculator and enter the amount you’d like to borrow so you can see the exact weekly or fortnightly repayment amounts before applying.

Your Cash Loan (Small Amount Credit Contract) fees consist of an establishment fee of up to 20% of the loan amount plus a monthly fee of up to 4% of the 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, with a maximum total cost of $440 over the loan term.

Your Personal Loan (Medium Amount Credit Contract, from $2,001 to $5,000) fees consist of a $400 establishment fee, which is flat regardless of the loan amount, plus interest at 48% per annum.
There are no hidden fees for either loan type and no early repayment penalties. See our full fee and cost breakdown.

We process applications for secured and unsecured personal loans throughout Australia as follows:

1. Apply online or phone our friendly team on 1300 SURECASH (1300 787 322).
2. 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.
3. Tell us about the purpose of your loan.
4. 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.

Sure Cash Finance is a family-owned Australian lender with over 20 years in business. We offer flexible repayments, such as weekly or fortnightly, to suit Centrelink recipients and others. Our inclusive lending approach means that all applicants – employed, self-employed, Centrelink recipients and those with imperfect credit – are considered fairly. Our trained 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. That’s why our Google rating is 4.8 stars, based on over 454 customer reviews.

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 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.

What does ‘unsecured’ mean – do I need a guarantor or security?

‘Unsecured’ refers to loans that do not require any collateral (such as a car or home) to get the loan approved. In such cases, a lender looks at your overall creditworthiness, assessing factors such as your income, financial history, employment stability, and debt-to-income ratio before making a decision.
Do you need a guarantor or security? For an unsecured loan, no guarantor is needed, and no asset is required for security.

How much can I borrow with an unsecured personal loan from Sure Cash Finance?

That depends on your circumstances. We have two loan types. The first is a Cash Loan (Small Amount Credit Contract). This loan is unsecured (no collateral required) and ranges from $300 up to $2,000.
The second loan type is a Personal Loan (Medium Amount Credit Contract), which covers amounts from $2,001 to $5,000. Whether security is needed for this type of loan 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.

Can I get an unsecured personal loan with bad credit?

It might be possible. As an inclusive lender, Sure Cash Finance considers your bigger financial picture. We assess your ability to repay based on your income, expenses and financial circumstances (such as employment stability), rather than simply based on what assets you own.

All applications are individually assessed. Approval is not guaranteed. As an Australian Credit License holder (ACL 390591), Sure Cash Finance is required by law to assess your ability to repay before approving any loan.

If you are concerned about your creditworthiness, contact our friendly staff to discuss the situation.