Things you should know

·What are the main criteria to get a
Pay Day Advance?
You'll need to be employed in a full-time capacity for at least 3 months, and your pay must be directly deposited into your bank account.

·What are the charges?
The cost for your advance is A$1.64 per hundred per day. An example of the cost of A$250.00 cash advance for 7 days will be A$38.70 (i.e. A$1.64 X 2.5 X 7 + $25.00= A$53.70).Total payable will therefore be A$288.70. You can always repay early (minimum 3 working days before due date). We will reduce your financial charges accordingly. This Example only applies to WA clients.

Click here for Costs of loan for other states.

· Is there any application or establishment fees?
There will be NO application or establishment fees.

· What documents do I need to apply
for a Payday loan?
If you are a first time Cash Now customer, we will need: 2 types of ID (1 must be photographic), 2 most recent pay slips, 3 current months' worth of bank statements, and a current utility bill or any other document under your name.
If you are an existing customer and your circumstances haven't changed, you will only need to bring your most recent pay slip and your latest bank statement. Alternatively, you can submit your request online and we will get back to you within the hour.

· How much can I borrow?
As a first time borrower you can borrow up to 30% of your take home pay (after tax) to a maximum amount of A$500.00
Once you have paid off your first loan, you will be able to borrow more providing your circumstances haven't changed. Maximum loan A$1,000.00 (Subject to Final Approval.)

· How do I get the money and how soon?
With Bank Transfer, it may take anything between a few minutes up to overnight for the money to arrive.
You can also opt to have a direct cash deposit into your nominated bank account. Alternatively, please come and visit us to get cash over the counter. (for existing clients only)!

· What if I cannot pay on due date?
If you think you don't have sufficient funds in your bank account, contact us immediately to halt the automatic direct debit. You'll need to inform us at least 3 working days before the payment is due, and you will need to work out a payment schedule with us. You can opt to make interest only payment and extend the repayment to your next payday. Standard charges apply.
If you do not, the direct debit will be rejected, resulting in a dishonour fee from your bank. Please note that there will be a A$25.00 late fee. Interest will continue to be charged at the rate as per your loan agreement until all monies are fully repaid.

· How long do I wait to get an approval?
We will usually be able to contact you in 15 minutes after we received your application. Sometimes it may take longer than 15 minutes, but we will be in touch with you. The whole process may take up to 1-2 hours after we received All your documents.

· Why is Cash Now Perth better than any other Payday Companies?
We don't charge membership fee and establishment fees, we don't have any hidden fees.

· How does the Loan process work?
After we receive your application, we'll run verification on your employment. If your application is approved, you will be notified by your preferred contact method.
You then need to sign the contract before we transfer the money to you.

· When are you open for business?
Our office hours are 9.30am to 5:30pm Mon-Fri.Sat 11.00am-4.00pm. We, however, accept online applications 24 hours a day, 7 days a week, 365 days a year.