Apply for a Cash Advance Loan at CashPal

Some weeks run smoothly until an unavoidable cost lands: a dentist bill, new tyres, or a utility notice that cannot wait. A CashPal cash advance is a small personal loan for moments like this, with $500 to $5,000 available over 2 to 6 months. Apply online in minutes and we assess today’s affordability from your income, regular expenses and recent account history. 

You’ll see the total cost and every repayment date before you decide. Repayments can be set weekly, fortnightly or monthly to match your pay cycle. For approved applications lodged during business hours, we usually send the payout on the same day. Borrow only what you need so the rest of the budget stays on track.

How to Apply for a Cash Advance at CashPal

1. 01

   Complete Your Online Application

   Jump onto our secure platform and fill out our loan application form. You’ll know if we can help you in a few quick minutes.

   
2. 02

   Rapid Assessment and Approval

   We’ll assess your ability to repay the loan and determine your same day loan approval status.

   
3. 03

   Review and Accept Your Loan Terms

   If approved, we’ll send you a clear loan agreement outlining all the terms, fees, and repayment schedule.

   
4. 04

   Money, baby, money!

   Once you’ve signed the loan agreement, we’ll transfer your funds directly to your nominated bank account.

   

Loan Eligibility & Requirements to Get a Cash Advance

You must be 18 or over, live in Australia and use a transaction account in your name. A credit enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion.

Have these documents ready:

• Government photo ID
• Recent income proof (payslips or Centrelink statements, if relevant)
• Bank statements for the last 3 months

Why CashPal is the Right Pal For a Cash Advance

Most people reach for a cash advance when a cost cannot wait until the next pay and other options are not available. Typical examples include a car repair that keeps you getting to work, a medical or dental gap that needs settling, a rental bond top up to secure housing, or a utility reconnection that avoids extra fees. The aim of a cash advance is to cover a one-off expense with a clear finish date. Choose the smallest amount that solves the problem and set a schedule that fits your pay cycle.

We Practice Responsible Lending

Every application is assessed under Australian credit law, including the National Consumer Credit Protection Act 2009 and the National Credit Code. We confirm affordability from your recent income, regular expenses and existing commitments, and a credit enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion.

Your offer shows the amount, the total cost and all repayment dates before you accept, and there is no fee for early payout. If circumstances change, contact us early so we can discuss hardship support. If a complaint arises, raise it with us first. If we cannot sort it together, you can take it to the Australian Financial Complaints Authority.

We Keep Regulations & Government Resources in Mind

• MoneySmart on debt consolidation
• Australian Financial Complaints Authority (AFCA) Hotline: 1800 931 678
• National Debt Helpline: 1800 007 007
• Australian Securities and Investments Commission (ASIC)
• Office of the Australian Information Commissioner (OAIC)

Cash Advance Loans FAQs

Who can apply for a cash advance loan?

You must be 18 or over, live in Australia, receive regular income and use a transaction account in your name. Approval depends on today’s affordability based on your income, living costs and existing commitments.

How much can I borrow and how long do I have to repay?

Between $500 and $5,000, with typical terms of 2 to 6 months. Repayments can be set weekly, fortnightly or monthly to match your pay cycle.

What documents do I need?

Government photo ID, recent income proof such as payslips, and bank statements for the last 3 months. If you receive Centrelink, we may request myGov data to verify payments.

Will applying affect my credit file?

An enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion. We also review recent banking to confirm the repayments would be manageable.

How fast are payouts sent after approval?

For approved applications made during business hours, payouts are usually sent on the same day.

Can I apply if I receive Centrelink income?

Yes. Centrelink payments can be considered. The outcome depends on affordability and recent account conduct.

Can I repay early and will it reduce the cost?

Yes. There is no fee for early payout. Where interest or monthly fees apply, they are recalculated to your payout date, which can reduce the total cost.

What if I cannot make a repayment?

Contact us as soon as possible. We can review options, including support available under the National Credit Code. Late fees may apply if a scheduled payment is missed.

Can I change the amount after I see the offer?

You can request a lower amount before you accept. Asking for more may require a fresh assessment to confirm affordability.

Are there limits on what I can use the money for?

Use the funds for genuine personal expenses. Avoid using a new loan to pay another loan if it increases your total cost, and do not borrow for gambling or illegal purposes.