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Need cash? Apply online 24 hours a day, anywhere in Australia.

Cash Doctors Code of Practice

You'll see a crystal clear breakdown of your costs and repayment schedule before you apply, during your application and again when you confirm your cash advance. We display these details plus your previous cash advances in your Member area. There are no hidden fees. Costs only increase if you fail to keep to your repayment schedule – and these costs are also outlined clearly. Our transparency exceeds regulatory requirements.
We keep it simple. We keep in touch. Making a financial decision is serious and can be an information overload. Our website is clear and informative with a comprehensible calculator to help you with your decision. If you need help, our team is close by via the phone, email, live help, SMS and Facebook.
If you have a complaint, we will endeavour to respond within half an hour. We are registered with COSL (The Credit Ombudsman Service Limited).

Our members are employed, professional, hardworking and responsible people who need small, short-term cash advances from time to time.
Members need to be in full or part time employment - so if your primary source of income is Centrelink benefits, you won’t be eligible to borrow from Cash Doctors unfortunately. We only lend a maximum of $220 when paid weekly, $300 when paid fortnightly and $400 when paid monthly.
We adjust the amounts you can borrow if your circumstances change to ensure you can comfortably repay. If you have problems repaying we may reduce the amount advanced or make further cash advances unavailable. We want you to have a great experience and repay comfortably within days or weeks - so our team of geeks figured out a neat automated way of assessing your ability to repay in seconds. Our fresh way of looking at the information you provide means you don’t waste time with paperwork, queueing and painful face-to-face meetings. It's totally different from how old school lenders do things.

Cash Doctors cash advances are strictly short-term solutions for a maximum of 45 days – to smooth out your day-to-day life. What's happening in your life and your bank balance doesn't always match up perfectly. If you need more than $600 or need longer than 45 days to repay, you should seek an alternative financial product.
We won't make you borrow more than you need, for long periods of time, like credit cards or traditional personal loans. Borrow exactly what you need. If you repay early no penalties apply.
Cash Doctors always wants you to repay on time and get on with your life. We remind you of your repayments via SMS, email and your member login area. We will never roll over your balance for another term.

Our cash advances are for days or weeks, not months. Our fees are higher than other forms of credit. This is because our advances are the fastest, most convenient way to borrow small amounts of cash in Australia.
It's like a taxi. You use one occasionally and only for small distances. You don't use one everyday or for long trips. Similarly, only an unethical taxi driver would take you on a long trip – they should recommend a bus or a plane.
In contrast, if a taxi driver charged you the same rate/km as a long haul flight to London, he'd only charge $1 for a 10km taxi trip. Do you think he could afford to provide his service readily available at all hours for occasional short trips? Of course not.

We hear horror stories where someone borrows $300 and owes $3000 months later. This can't happen at Cash Doctors. We freeze overdue accounts at 45 days overdue if no arrangement is made, and earlier if a repayment schedule is agreed.
Cash Doctors applies a different fee structure to overdue accounts. An overdue fee of $7 is charged each day for a maximum of 45 days. If you make an arrangement and fail to keep your side of the deal, a fee of $35 applies.
These fees help to cover the cost of account management and discourage people from late payment but do not contribute to Cash Doctors' profit. So we're not incentivised to make you repay late. In fact, it's in both our best interest for you to repay on time.
Cash Doctors does not allow rollovers. This is when people cannot repay on their original repayment date so the lender extends or rolls over the debt for a longer time. As the fees charged are only appropriate for a short-term solution, it turns into a costly long-term debt problem.
If you have trouble repaying, our team's goal is to work out a fair and affordable repayment arrangement and help you get on with your life as soon as possible. Above all you will be treated respectfully.

When you first looked for a provider you chose us because we are transparent and stand out as the most trustworthy option. We take great care and use smart technology. We're available for you 24/7 no matter where you are. But like any relationship, it's a two-way street. We expect you to keep your side of the deal and use our service responsibly – otherwise we won't be able to work together and be there if you need us again. We're a responsible company lending to responsible people.