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
- Retail/
Pawnbroking - midland@cashlab.com.au
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Categories
Same day loans · Midland and Geraldton, WA
Same Day Loans in Australia
Borrow $300 to $5,000 for a bill that can’t wait. Apply online in a few minutes or walk into our Midland or Geraldton store, and get a fast decision once your application is complete.
Complete applications with all documents, including photo ID, bank statements and Centrelink income, received by 3pm AWST on a business day can usually be decided the same day.
Estimate your repayments
Amount
$1000
Term
24 weeks
Estimated repayment
$60.00 / week
$120.00 / 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 same day loan is a SACC ($300 to $2,000) or a MACC ($2,001 to $5,000) that’s assessed and paid out quickly. The rules are the same as any other regulated loan.
- Speed depends on a complete application: photo ID, proof of income, and your last 90 days of bank statements.
- SACC fees are capped by law at 20% establishment fees plus 4% monthly fees, and you’ll never repay more than double what you borrowed.
- Centrelink income counts toward a SACC once it reaches $800 a fortnight.
- Every licensed lender has to check you can afford the repayments, so “no credit check” or “guaranteed approval” promises are a warning sign.
What a same day loan actually is
“Same day loan” describes speed. At CashLab, it means one of two regulated loans, decided and paid out as quickly as the required checks allow.
SACC
$300 to $2,000
Small Amount Credit Contract
Most urgent bills, like a car repair or a broken fridge. Centrelink income accepted from $800 a fortnight.
MACC
$2,001 to $5,000
Medium Amount Credit Contract
Bigger costs, 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, however fast the process runs. Our guides to SACC loans and MACC loans explain each one in detail.
How to get a same day decision
- Work out the exact amountHave the quote, invoice or bill in front of you, so you borrow what you need and nothing more.
- Apply online or in storeThe online form takes a few minutes, or you can walk into our Midland or Geraldton store and apply with a staff member.
- Share 90 days of bank statementsEvery SACC and MACC lender has to review them by law. It’s how we confirm the repayments sit comfortably alongside your other commitments.
- Get a decision and signIf you’re approved, your contract shows the full cost in dollars before you sign anything. Once it’s signed, the money is sent to you by bank transfer within 15 minutes.
What helps it happen the same day
- Applying early before 3pm with all required documents
- Having photo ID and proof of income ready before you start
- Making sure your bank statements cover the full 90 days
- Answering any follow-up questions quickly
What can slow it down
- Sundays and public holidays, when the assessment may wait for the next business day
- Missing documents, or statements that don’t cover the full 90 days
- Your own bank’s processing time once the money has been sent
What a same day loan costs
The law caps what any lender can charge for a small loan, however quickly it’s paid out. 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 a $500 loan repaid over three 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 on your bill. On a SACC, every extra dollar you borrow attracts the same 20% upfront and 4% a month.
| $500 SACC over 3 months | Maximum |
|---|---|
| Establishment fee (20% of $500) | $100 |
| Monthly fees ($20 a month for 3 months) | $60 |
| Total repaid | $660 |
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 same day loan
Real people, real stores
Apply face to face in Midland or Geraldton and ask anything 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 small bill 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 tell any same day lender is legitimate
Search for “fast money” online and you’ll find plenty of lenders, and not all of them follow 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 same day loans for
Most same day loans cover a one-off cost that can’t wait until payday.
Car repairs
When the car you need to get to work breaks down.
Broken appliances
A fridge or washing machine that has to be fixed or replaced now.
Vet bills
When a pet needs treatment straight away.
CashLab doesn’t lend for rent, mortgage repayments, groceries or other everyday living costs.
Faster free options to check first
Some of the quickest help costs nothing, so it’s worth a few minutes before you apply.
A Centrelink advance
If you receive a Centrelink payment, you may be able to get part of it early, interest-free, through Services Australia.
A payment plan
Call whoever sent the bill before it’s due and ask whether you can pay it in instalments.
No Interest Loans Scheme
No-interest, no-fee loans of up to $2,000 for essentials, for people on lower incomes, at nils.com.au.
Free financial counselling
The National Debt Helpline on 1800 007 007 can talk through your options at no cost.
Our stores
Same day 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 with you and answer questions about fees and repayments 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
Often, yes. Complete applications with all documents, including photo ID, bank statements and proof of income, received by 3pm AWST on a business day can usually be decided the same day. Every application still goes through a full check of your income and bank statements, so approval isn’t guaranteed.
Once you’ve signed your contract, the money is sent to you by bank transfer within 15 minutes. How fast it lands then depends on your bank’s processing times.
Yes. You can apply online at any time, our Midland store is open seven days, and Geraldton is open Monday to Saturday. Applications made on a Sunday or public holiday may be assessed on the next business day.
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 $500 SACC has a $100 establishment fee and $20 a month in fees. Over three months, that’s $660 in total. Your contract shows your actual figures before you sign.
“Payday loan” is the everyday name for a small amount loan. Its legal name is a Small Amount Credit Contract, or SACC, and the law caps its fees and total repayments whatever it’s called.
Not from a licensed lender. Every licensed lender has to check that you can afford the repayments, usually by reviewing your bank statements, so a “no credit check” promise is a red flag.
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.
Ready to get started?
Apply online in a few minutes, or come and see us in Midland or Geraldton.
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