Lender Review: Cash Stop


Product Highlights

  • Loans from $200 to $5000
  • Over 16 days to 2 years

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Company Brief

Cash Stop provides loans with quick and efficient loan approval, with funds transferred within 15 minutes from approval (if the application is approved during business hours). The company has been in the industry since April 2000 and has headquarters in Campbelltown, NSW, 2560, Australia. The business hours of the company’s branches are from 9 AM to 5 PM AEST. Online applications, however, are accepted 24/7.

Its ABN is 66091194786, with Australian Credit License Number 389433.

Small Amount Advances (Online Loan): $200 – $2,000

Type of Loan Establishment Fee Interest Type Min Loan Amount Max Loan Amount Turnaround time Min Loan Term Max Loan Term
Short Term Loans 20% of the total loan amount 4% monthly $200 $2,000 24-48 hours 16 days

1 year

*No mentioned minimum and maximum APR on Cash Stop website for small loans

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
Medium Loans 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

*No minimum APR mentioned on Cash Stop website for Medium amount loans.

Note: Default fees, early repayment fees, and other associated loan fees are not provided in Cash Stop’s website. All the data found here on Friendly Finance are accurate and are in line with the information on Cash Stop’s website as of November 2023.

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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: Cash Stop



  • 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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