Lender Review: Cash Stop


Company Brief

Cash Stop Small Amount Advances (Online Loan): $50 – $2,000

Type of Loan Establishment Fee Monthly Fee Min Loan Amount Max Loan Amount Turnaround time Minimum Loan Term Maximum Loan Term
Short Term Loans 20% one-time 4% monthly $50 $2,000 24-48 hours 16 days 1 year


Cash Stop’s Small Amount Advances start at a minimum of $50 with a maximum loanable amount of $2,000. The fees included in the loan are the establishment fee of 20% of the loan amount, plus a 4% monthly fee every month of the loan.

For example, if you take out a $1,000 net loan amount for four months, your total payable amount would include an establishment fee of $200 and total monthly fees of $160. If you pay on time, your total loan payable would be: $1,000+$200+$160 = $1,360.

Cash Stop Medium Amount Advances (Online Loan): $2,001 – $5,000

Type of Loan Interest Rate Interest Type Min Loan Amount Max Loan Amount Turnaround time Minimum Loan Term Maximum Loan Term
Personal Loan 48% Annual Percentage Rate + $400 Establishment Fee Fixed monthly fee + one-time Establishment Fee $2,001 $5,000 24-48 hours 16 days 2 years


The minimum loanable amount for a Cash Stop Medium Amount Loan is $2,001, with a maximum loanable amount of $5,000. Fees include a one-time Loan Establishment Fee of $400 and a 48% fixed annual interest.

For example, if you get a $3,000 Medium Amount Loan for a one-year term, your total payable amount would have a $400 Establishment Fee and $1,440 total interest payments. Therefore, you will be paying $3,000+$400+$1,440=$4,840 at the end of the loan term.

Breakdown of all fees for each loan product

The following are the lending costs of Small Amount Advances:

  • Establishment Fee: 20% of the total net amount of the loan
  • Monthly Fee: 4% of the loan
  • New Monthly Period Fee: of 4%
  • Dishonour fee: $40

The following are the fees associated with Medium Amount Advances:

  • Establishment Fee: $400
  • Fixed Interest Rate: 48% of the total loan amount
  • New Monthly Period Fee of 4%
  • Dishonour fee: $40

Application Process

You may apply for loans from Cash Stop online via its website and must meet the eligibility criteria. To be eligible for a loan product from Cash Stop, you must:

  • Be living in Australia permanently.
  • Be eighteen years of age.
  • Have an email address and contact details.
  • Be making more than $300 every week consistently. This income must be deposited into your designated bank account.

Those on Centrelink benefits, including Newstart and Youth Allowance, are also eligible to apply.

The following information will also be needed to complete your loan application:

  • Personal details such as your name and contact information
  • Information about your job, such as where you work and how to contact your employer. You may be contacted for an income verification call to prove your employment.
  • 90-day bank statements digitally submitted through CreditSense

The company website states that loans are approved promptly after the borrower submits all documentation requirements. Once approved, funds will be transferred electronically by Cash Stop within 15 minutes if your bank account supports the New Payments Platform infrastructure (NPP) and 24-48 hours for other banks.

Notable Loan Product Features

Cash Stop’s Small Amount and Medium Amount Advances are offered online through an online application. Funds are also transferred electronically and released in 15 minutes (only for applications approved during business hours and for NPP-participating bank accounts). Payments are made through a direct debit arrangement with your nominated bank account.

In order to manage your loan repayments, a payment plan should be established either by the lender or by yourself. This could be arranged through monthly payments or weekly payments, this will help you manage your money effectively. Always be sure that you can afford the repayment fees before entering into a loan agreement.

The Company


  • Speedy loan application process and timely approval of loans.
  • Online loan application forms
  • Loans offered up to $5,000


  • High late payment and dishonour fees.
  • People have experienced website errors/delays during the application process.

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