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Cash Converters Loans
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Loans from Cash Converters
Associated fees:
No establishment fee
No monthly and/or annual fee
No early repayment fee
Repayments: Revolving term (no fixed maturity). Maximum repayment period of 36 months for each drawing.
Best For:
✔ Emergency expenses, car repairs, medical bills
✔ Short-term borrowing for unexpected costs
Friendly Finance is a licensed credit broker (ACL 487316). We are not affiliated with Cash Converters. This page provides independent information to help consumers research their options. Applying through this page will submit your application to Friendly Finance, and we will search the market to match you with a lender from our panel.
Note: All information included here on Friendly Finance are accurate and in line with the data provided on Cash Converter’s website as of December 2025.
About Cash Converters
📌 Founded: 1984
📌 Headquarters: Perth, Western Australia, Australia
📌 Stock Market Listing: Australian Securities Exchange (ASX: CCV)
📌 Credit Licence: Australian Credit Licence (ACL) 391415
📌 Regulated by: Australian Securities and Investments Commission (ASIC)
Cash Converters International Limited (ASX: CCV) is an Australian-listed, Perth-headquartered retail and financial services group specialising in the sale of second-hand goods and the provision of consumer lending and pawnbroking services.
Today, Cash Converters operates a network of more than 150 corporately owned stores in Australia as part of a broader footprint totalling over 650 stores across around 15 countries through franchising and corporate outlets.
Main Services Provided by Cash Converters
Retail of second-hand goods (electronics, jewellery, tools and more) via store and online platforms, contributing significantly to revenue and supporting the circular economy.
Consumer finance services, including Cashies Loans (a line of credit designed to offer flexible borrowing up to specified limits) and other regulated personal lending products.Buyback Services (Selling & Repurchasing Goods)
Pawnbroking and secured loans, providing cash against items of value with the option to redeem them upon repayment.
In 2025, Cash Converters announced it would phase out Small Amount Credit Contracts (SACC) in Australia by October 2025 in response to regulatory developments, shifting its lending focus toward longer-term, lower-cost products like its line of credit and secured loans.
The company is publicly traded on the Australian Securities Exchange (ASX: CCV) and is regulated by the Australian Securities and Investments Commission (ASIC) under its relevant Australian Credit Licence(s).
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Cash Converters: Eligibility Requirements
The application process for Cash Converters is done through the company’s website. To process your loan application, you need to pass Cash Converter's eligibility requirements:
- At least 18 years old
- Australian citizen or permanent resident
- $600/week minimum income; less than 50% from Centrelink
- Not bankrupt or in Part 9 agreement
Credit checks are part of the Cashies Loan process
Pawnbroking still has its own criteria
(ASIC / NCCP credit checks still apply for regulated lending products.)
Cash Converters: Notable Loan Features
Fast Loan Approvals: Most applications are approved within the same day.
No Hidden Fees: All fees are clearly stated upfront.
No Credit Check for Pawn Loans & Small Loans: People with bad credit or no credit history may still qualify.
Flexible Repayment Options: Choose weekly, fortnightly, or monthly repayments.
Secured & Unsecured Loan Options: Customers can pawn valuables for secured loans or apply for cash loans without collateral.
In-Store & Online Services: Customers can apply online or in any of the 150+ Cash Converters stores across Australia.
The Company: Cash Converters
There are some positives and negatives for prospective borrowers to consider before using Cash Converters as an online lender. As part of the reviewing process for this page, customer feedback and common questions answered on the company website were considered for the overall assessment.
Positives
- Many customers praise fast service and staff help.
Negatives
- Some reviews highlight high pricing or tough valuations for goods sold.
