CashLab Midland
- Address
- 6/401 Great Eastern Highway
Midland WA 6056 - Hours
- Mon to Fri 9am to 7pm
Sat 9am to 5pm
Sun 11am to 7pm - Phone
- 08 9250 3074
- Personal Finance
- pfmidland@cashlab.com.au
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Pawnbroking - midland@cashlab.com.au
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Categories
Holiday loans · Midland and Geraldton, WA
Holiday Loans in Australia
Borrow $300 to $5,000 for Christmas gifts, a trip home to family, or the school costs that arrive in January. Apply online in a few minutes or at our Midland or Geraldton store, and see the full cost in dollars before you sign.
Estimate your repayments
Amount
$1000
Term
17 weeks
Estimated repayment
$80.00 / week
$160.00 / fortnight
Estimate only, based on the maximum fees the law allows. Your contract shows your actual repayments.
Authorised Credit Representative 390571
Fees capped by law
Stores in Midland and Geraldton
Centrelink income accepted
What our customers say
At a glance
- A holiday loan is a SACC ($300 to $2,000) or a MACC ($2,001 to $5,000) used for a seasonal cost, such as gifts, travel to family or January school costs. The rules are the same as any other regulated loan.
- SACC fees are capped by law at 20% upfront plus 4% a month, and you’ll never repay more than double what you borrowed.
- Your repayments are set before you sign, so you can plan them around the new year and the start of the school term.
- Centrelink income counts toward a SACC once it reaches $800 a fortnight.
- We don’t lend for rent, mortgage repayments, groceries or everyday living costs, and that includes the holiday food shop.
What a holiday loan actually is
“Holiday loan” describes what the money is for. At CashLab, it means one of two regulated loans, with the same checks and fee caps as any other loan we offer.
SACC
$300 to $2,000
Small Amount Credit Contract
Most holiday costs, like a few gifts, a flight home or a car service before a long drive. Centrelink income accepted from $800 a fortnight.
MACC
$2,001 to $5,000
Medium Amount Credit Contract
Bigger costs, such as travel for the whole family, for applicants with employment income of at least $500 a week.
Both are covered by the National Consumer Credit Protection Act 2009, so the fees are capped and the lender has to confirm the repayments fit your budget before approving anything. Our guides to SACC loans and MACC loans explain each one in detail, and if the cost can’t wait, see our page on same day loans.
How to plan a holiday loan you can pay off
- Add up the whole seasonList gifts, travel and events, then add the January costs that follow, like school uniforms, shoes and books. Seeing the full figure stops a second loan in February.
- Borrow only the gapPut any savings toward the total first and borrow the difference. On a SACC, every extra dollar attracts the same 20% upfront and 4% a month.
- Pick a term that fits your payA shorter term means fewer monthly fees on a SACC, as long as the repayments still leave enough for your bills. Our calculator shows both.
- Apply before the rushApplying in early December gives time for the assessment, which includes 90 days of bank statements, before you need the money.
A holiday loan can make sense when
- It covers a one-off seasonal cost with a clear end date
- The repayments still fit once January bills arrive
- You know the exact amount you need
- It will be repaid before the next big cost of the year
It’s worth holding off when
- You’d need another loan to keep up with the repayments
- You’re already repaying another small loan
- The money would go on everyday bills or groceries
What a holiday loan costs
The law caps what any lender can charge for a small loan, whatever it’s used for. On a SACC, the most a lender can charge is a one-off fee of 20% of the loan, plus 4% of the loan for every month of the term. For $1,000 borrowed in December and repaid over four months, the maximum looks like this:
For $2,001 to $5,000, a MACC can carry a $400 establishment fee and interest of up to 48% per annum on the remaining balance. Either way, borrow only the amount your holiday plan needs, and check the repayments against your January budget before you apply.
| $1,000 SACC over 4 months | Maximum |
|---|---|
| Establishment fee (20% of $1,000) | $200 |
| Monthly fees ($40 a month for 4 months) | $160 |
| Total repaid | $1,360 |
This example uses the maximum fees allowed. The real figures for your loan appear in your contract before you sign. Total SACC repayments are also capped at twice the amount borrowed, even if a payment is missed.
Who can apply
- You’re 18 or over and live in Australia
- You have regular income paid into an Australian bank account in your own name. Wages, self-employment and Centrelink payments all count, and Centrelink income needs to total at least $800 a fortnight for a SACC
- For a MACC, you have employment income of at least $500 a week
- The repayments fit your budget. On a SACC, they’re limited to 10% of your net income, which keeps enough aside for everything else
No payslip? Bank statements usually do the same job, and our guide to getting a loan without a payslip explains how.
What you’ll need
- Photo ID
- 90 days of bank statements from your own Australian account
- A mobile number and email address
- Proof of income, if we ask for it
Why choose CashLab for a holiday loan
Real people, real stores
Talk through your holiday budget face to face in Midland or Geraldton before you commit.
Every fee shown upfront
Fees stay within the legal caps and are set out in dollars in your contract before you sign.
Loans from $300
A few presents or one flight doesn’t mean borrowing more than you need.
An honest assessment
We review your bank statements properly, with no “guaranteed approval” promises.
CashLab is a Western Australian lender, operating through Villashore Pty Ltd (ABN 67 595 859 152) under credit authorisation number 390571.
How to check a lender before you apply
Loan offers pick up in the lead-up to Christmas, and not every lender follows the rules. Before you apply anywhere:
- Search ASIC’s professional register to confirm they hold a credit licence or are an authorised credit representative
- Check they publish a Target Market Determination, which sets out who the loan is designed for
- Confirm they’re a member of AFCA, the free complaints service for financial products
- Be wary of “no credit check” or “guaranteed approval”. Licensed lenders must assess whether you can afford the repayments, so one that skips this step may not be operating within Australian credit law
What people use holiday loans for
Most holiday loans cover a cost that lands at the end of the year, or the bills that follow straight after.
Christmas gifts
Presents for the family, bought in one go instead of spread across credit cards.
Travel to family
Flights or fuel to get home for Christmas, booked before prices climb.
Back-to-school costs
Uniforms, shoes, books and devices due before the school term starts in late January.
A car service before a road trip
New tyres or a service before a long summer drive.
Pet boarding and vet care
Kennel fees or a vaccination update before you go away.
A holiday booking
The deposit on a caravan site, cabin or short family break.
CashLab doesn’t lend for rent, mortgage repayments, groceries or other everyday living costs, including food shopping for the holidays.
Ways to spend less before you borrow
A few of these can shrink the amount you need, or remove the need for a loan altogether.
Layby for gifts
Many shops will hold gifts for a small deposit while you pay off the rest in the weeks before Christmas. Ask about any layby fees first.
Pre-owned gifts
Our Midland and Geraldton stores sell certified pre-owned jewellery and luxury goods, so you can browse the shop before you borrow.
A Centrelink advance
If you receive a Centrelink payment, you may be able to get part of it early, interest-free, through Services Australia.
Free financial counselling
The National Debt Helpline on 1800 007 007 can help you build a holiday budget at no cost.
Our stores
Holiday loans in Midland and Geraldton
If you’re in Perth’s eastern suburbs, our Midland store takes walk-in applications seven days a week, and customers in Geraldton can apply at our Geraldton store Monday to Saturday. Staff can go through your documents and holiday budget with you before you commit to anything.
CashLab Geraldton
- Address
- 5 Bayly St
Geraldton WA 6530 - Hours
- Mon to Sat 9:30am to 5pm
Sun closed - Phone
- 08 9964 3213
- Personal Finance
- pfgeraldton@cashlab.com.au
FAQs
Frequently asked questions
Yes, a SACC of $300 to $2,000 or a MACC of $2,001 to $5,000 can cover costs like gifts and travel. Every application still goes through a full check of your income and 90 days of bank statements, so approval isn’t guaranteed.
Yes, for a SACC of $300 to $2,000, as long as your Centrelink income adds up to at least $800 a fortnight. A MACC needs employment income of at least $500 a week. It’s worth asking about a Centrelink advance first, since it’s interest-free.
At the most the law allows, a $1,000 SACC has a $200 establishment fee and $40 a month in fees. Over four months, that’s $1,360 in total. Your contract shows your actual figures before you sign.
Your repayment dates are set out in your contract before you sign, and they’re usually matched to when you get paid.
You can apply online at any time. Store hours change over the public holidays, so check before you visit.
A low credit score doesn’t rule you out on its own. We look at your income and 90 days of bank statements to decide whether the repayments are affordable.
Often, when your application is complete and submitted early on a business day. Our same day loans page explains what helps the assessment move quickly.
Between $300 and $2,000 with a SACC, or $2,001 to $5,000 with a MACC if you have employment income. The amount depends on what you need and what your income can support.
Sort the holidays before the rush
Apply online in a few minutes, or come and see us in Midland or Geraldton.
- Choosing a selection results in a full page refresh.