Lender Review: CashnGo


Product Highlights

  • Loans from $300 to $2,000
  • Over 62 to 180 days

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Company Brief

CashnGo is a short-term lending provider. CashnGo payday loans accept applications from those with bad credit and Centrelink beneficiaries. CashnGo was founded in 2013 by George Hajjar and currently has more than 50 staff members.

CashnGo’s headquarters is at Parramatta, New South Wales, with business hours from Monday to Friday, 9 AM to 8 PM, and Saturday, 9 AM to 5 PM. The CashnGo ABN is 82 156 288 078 with a Credit License Number is 431627. The company has won the 2021 ProductReview.com.au Awards for Short Term Loans.

Short-Term Loan: $300 - $2,000

Type of Loan Interest Rate Interest Type Min Loan Amount Max Loan Amount Turnaround time Min Loan Term Max Loan Term
Short-Term Loan 4% Fixed Monthly Payment $300 $2,000 1 business day 62 days

180 days

CashnGo offers a short-term loan with a 62 to 180 days loan repayment period. The minimum loan amount is $10 and is maximum loan amount is $2,000, but first-time customers can only get a $600 loan if employed and $300 if the customer depends on Centrelink benefits. There is an establishment fee amounting to 20% of the loan amount.

You may apply through their website or their dedicated Self-Service kiosks, with the loan application process taking only 5 minutes to complete. CashnGo also plans to offer a Medium Loan for qualified borrowers. The minimum loan amount will be $2,001, with a maximum loan amount of $5,000. Its payment term ranges from 2 months to 12 months.


A $1,000 CashnGo loan returned over three months results in a total sum due of $1,320, which includes the $1,000 principal (the amount borrowed), a $200 establishment fee (20% of the amount borrowed), and $120 in monthly fees (4% of the original amount borrowed).

Other fees to consider

The following are the lending costs of CashnGo Small Loans:

  • Establishment costs of 20% of the loan amount.
  • A monthly interest rate of 4%.
  • No mentioned minimum and maximum APR on CashnGo’s website
  • No mentioned default fees, early repayment fees, and any other associated loan fees on CashnGo’s website

Note: The data above is accurate and based on information available on CashnGo’s website as of November 2023.

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Application Process

To apply for any loan from Cashngo, applicants must satisfy the following eligibility requirements:

  • You must be at least 18 years old.
  • Earn a steady regular income.
  • Have the capacity to repay their loans

The following documents and information will be requested in the course of the application process:

  • Contact details
  • Job information
  • Details of earnings and expenditures
  • A recent bank statement (within the previous 60 days) with their BSB and account number
  • Photo identifications
  • Two recent payslips

You can choose to load your funds onto your CashnGo Eftpos Card (if you have one) or send it to your preferred bank account. If you request that funds be deposited into a bank account, the time it takes may vary depending on your bank. The loan term repayment for a small loan is one to four months, with instalments due weekly, biweekly, or monthly.

Notable Loan Product Features

The notable loan product feature of CashnGo is that you can apply online or at one of its conveniently located kiosks. In addition, the online dashboard allows you to view the status of your application, finalise your loan or check for your loan balance.

The Company: CashnGo



  • Manageable interest rates
  • Option to reschedule payments
  • Easy application with the option to apply online or through CashnGo’s self-service Kiosks
  • No hidden fees


  • High daily fees accruing for each day of late payment (up to 43 days)

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