A cash loan is a small, short-term loan for a specific cost.
This is usually something that has arrived without warning and can't wait until payday.
This page covers what people use them for, and when a cash loan isn't the right answer.
Car costs - Repairs, servicing, registration, insurance or a new set of tyres.
Vet bills - Consultations, treatment, surgery or medication for your pet.
Dental costs - Check-ups, fillings, extractions, root canals or crowns.
Household appliances - Repairs or replacement of a fridge, washing machine, oven or dishwasher.
Moving costs - Rental bond, rent in advance, removalists, packing supplies or a moving van.
Holiday costs- Flights, accommodation, transport or travel insurance.
Everyday expenses - Groceries, electricity, phone bills or other household costs.
Special occasions - Weddings, engagements, birthdays or Christmas, including gifts, catering, outfits or travel.
Funeral costs - Funeral director fees, a coffin, burial or cremation, flowers or travel.
$500
$5,000
Repayment frequency header
New customers must work and earn $700+/wk to be eligible to apply.
* Repayment amount is a guide only. If your loan application is conditionally approved, your loan contract will list the repayment amounts, the number and frequency of repayments, when they are due, and any fees and charges.
Do I need to say what the loan is for?
Yes. We ask because the purpose helps us assess whether the loan is suitable for you.
How do I apply for an online cash loan?
The whole application is online and takes about five minutes if you have your details ready. Our online loans page sets out what to have to hand before you start and what to expect from the application.
How quickly can I get the money?
As mentioned on our Fast Loans page, if your application has all the required information and is approved before late afternoon, you will be funded the same day.
What if my situation changes and I can't meet a repayment?
Contact us on 1300 661 991 as early as you can. Our team can work with you to find a way through it, and there's far more we can do before a payment is missed than after.
How long has Safe Financial been providing cash loans?
We are a proudly Australian owned company and have been lending small cash loans to everyday Aussies for over 20 years!
When is a cash loan not the answer?
For ongoing costs - A cash loan can help with a tight fortnight here and there. But if the gap is between what you earn and what you spend every month, borrowing widens it rather than closing it.
For something that can wait - If the expense isn't an emergency or tied to a date, and could be met from your next two pays, waiting for it is usually a better choice than borrowing for it.
Apply online in minutes - it’s super easy to apply. Select your loan amount, complete the online application, and hit submit!
Fast approvals - you’ll get a decision, usually within a few business hours. Plus same day funding is available.
Friendly customer service - our customers love us! They rate us ‘Excellent’ on Trustpilot.
Responsible lending - we will only lend you money if you can comfortably afford the repayments and the loan suits your requirements and objectives.
Repay early and save - if you wish to repay your Safe Financial loan early, there are no early payout fees, so you’ll save money!
WIN $1,000 - when you take out a small loan, a car loan or a business loan, you’ll be in with a chance to WIN back $1,000! Winners are grinners – check out our winners.
100% Australian-owned and operated - we're a trusted credit provider with over 20 years of experience helping Aussies get the things they want, when they need them!
