Why CashLab
Personal Finance?
- Fair - We look at your circumstances as a whole, not just a credit score.
- Flexible - Use what you need, when you need it.
- Fast - Simple application; once approved and signed, funds can move quickly.
- Transparent - Clear terms, no surprises.
* Timing can vary based on your bank and when you apply.
How
it works
- Start your application - Apply online or drop into CashLab Midland or Geraldton.
- Assessment & approval - We review your info and let you know the outcome.
- Access funds - Once approved and signed, access the funds for what you need.
- Manage & repay - Make repayments that fit your schedule, with the option to apply again later if you need more support.
What you can
use it for
- Car repairs, rego, tyres.
- Rental bond, moving and furniture.
- Medical, dental, and vet bills.
- School costs and uniforms.
- Travel and holiday expenses.
- Unexpected bills and emergencies.
(We don't support gambling, illegal activity, or debt consolidation.)
What to bring
We need to do a 100 point check so preferably bring the following items of ID.
-
ID so we can verify you.
- Drivers licence.
- Current Australian passport.
- Medicare card.
- 90 days of bank statements (secure digital link preferred).
- Any supporting info about income/expenses.
Fees, costs & terms
We keep things clear and upfront.
- Costs - SACC 20% Est + 4% Monthly. MACC 48% per annum.
- Repayments - [e.g., weekly/fortnightly/monthly options].
- Early repayments - No early payout fees.
(See full terms before you apply.)
Am I eligible?
You may be eligible if you:
- Are 18+ and hold an Australian bank account.
- Have regular income and can comfortably meet repayments.
- Are not currently bankrupt or under a Part IX/Part X agreement.
- Can provide 90 days of bank statements.
(Full criteria assessed during application.)
Applying with less than
a perfect credit
Credit history is only one part of our assessment. We know life happens—talk to us and we'll consider your broader situation.
How to apply
- Online – Start now and complete it in a few minutes.
- In-store – Prefer face-to-face? Visit CashLab Midland or Geraldton and we'll help you apply.