Modern lending and pawnbroking, rooted in Western Australia.

CashLab is a licensed personal lender and pawnbroker based in Western Australia, with stores in Midland and Geraldton. We help local people access fair credit, borrow against gold and goods they already own, and shop quality pre-owned items, all handled face to face by a team you can talk to.

Brass-framed glass display cabinets in a navy-walled boutique at dusk
A gold ring and a brass jeweller's loupe on black velvet

Who we are

CashLab brings two trusted services under one roof: regulated personal finance and traditional pawnbroking. We assess each customer on their full circumstances, including income and expenses, and we keep our fees and terms clear from the first conversation.

Everything runs through our Midland and Geraldton stores, so you deal with a local team you can meet in person and apply within the same day.

The story behind our symbol

The three circles

Our three-circle mark reimagines the pawnbroker's historic “three hanging balls”, a symbol recognised across Europe for centuries. It stands for the three stages of pawnbroking: the pledge, the loan, and the redemption.

Old craft, modern build

We refined a hand-drawn concept into a clean, geometric typeface set on a precise grid. The result is bold and approachable, and it reflects how we work: structured, reliable, professional.

What it means for you

CashLab is built on pawnbroking tradition and rebuilt for today. You get the reassurance of a long-established practice with the clarity and speed of a modern lender.

What we offer

Personal loans

Apply for an SACC or MACC loan, assessed on your real circumstances.

Personal loans

Gold and jewellery valuation

Bring your gold for accurate, on-site XRF testing and a fair price.

Gold and jewellery valuation

Pawnbroking

Borrow against items you own and buy them back when you are ready.

Pawnbroking

Shop pre-owned

Browse quality-checked pre-owned goods and luxury brands, in-store and online.

Shop pre-owned

Concierge valuation

Book a private valuation from the comfort of your home.

Concierge valuation

Why people choose CashLab

  1. Fair

    We consider your whole situation, including income and expenses, when we assess an application.

  2. Flexible

    Borrow what you need and repay on a schedule that fits your pay cycle.

  3. Fast

    Simple applications, with funds moving quickly once you are approved and signed.

  4. Transparent

    Clear terms and fees explained up front, with no early payout fees.

4.8

Google reviews

2

stores across WA

Licensed

credit provider

Local

team, in person

Find us in Midland and Geraldton

Walk in, ask questions, and apply in person at either store.

Licensed and compliant

CashLab operates as Villashore Pty Ltd trading as Cash Lab, ABN 67 595 859 152, Australian Credit Licence 390571. We lend responsibly under Australian credit regulations and assess every application for suitability.

For full details, read our Credit Guide, Privacy and Credit policy, and Target Market Determination.

About CashLab, answered

Is CashLab a licensed lender?

Yes. CashLab operates under Australian credit regulation as Villashore Pty Ltd trading as Cash Lab. All loans are subject to assessment and suitability.

Where are CashLab's stores?

We have two stores in Western Australia, one in Midland and another in Geraldton. You can apply online or in person at either.

What does CashLab offer?

Personal loans, gold and jewellery valuation, pawnbroking, quality pre-owned retail, and a concierge valuation service.

Ready when you are

Apply online in a few minutes, or visit us in Midland or Geraldton and speak with the team.