A little lift for everyday life
Small loans.
A clear way forward.
Planned loans of $200–$2,000, with the full cost shown before you decide. Subject to assessment and the final offer.
We’re preparing to launch. Applications are not open yet.
No rollovers $0 early payout fee
Start with the amount
Explore an amount.
Your term and repayments would follow an assessment of your income, expenses and commitments.
Explore the planned amount
- Fees capped by law — every dollar shown before you sign
- Weekly repayments, subject to assessment and final dates
Amount explorer only, not a quote or offer. We're not lending yet — your term and repayments will come from your verified income and expenses.
How it would work
A decision you can understand.
- 01
Start with what you need
Explore the amount, the full cost and whether a lower-cost option could help first. Applications are not open yet.
- 02
Help us understand your budget
Read the consent before connecting your bank. Six months of statement history helps verify income, expenses and commitments. Identity and ability to repay are assessed.
- 03
Review before you decide
If offered a loan, review the contract, full cost, weekly dates and repayment method before accepting.
No approval or fixed decision time is guaranteed. Funding depends on approval, acceptance and funding conditions; bank processing affects receipt.
What it costs
The dollars.
All in the open.
Our planned Small Amount Credit Contract has a one-off establishment fee of 20%, plus 4% for each month or part month, based on the amount paid to you.
There’s no early payout fee. Future monthly fees are not charged if you repay in full before their fee dates; already-charged fees remain.
Full fees, dates and repayments →Ten-week illustration · 1 October–10 December 2026
- Paid to you
- $1,000
- Fees
- $320
- Total to repay
- $1,320
Receive $1,000 on 1 October 2026. Fees: $200 establishment + $40 on 1 October + $40 on 1 November + $40 on 1 December. Ten weekly repayments of $132 end on 10 December. Assumes payments are made as scheduled.
The contract’s Amount of Credit is $1,240: the $1,000 paid to you plus the establishment and first monthly fees retained on the Loan Date. This is an illustration, not a loan or offer. Actual fees depend on the Loan Date and final repayment date.
Your income, expenses and commitments.
The planned assessment uses six months of consented bank statement data to help verify income and spending. Identity checks, existing commitments and ability to repay still matter.
An application will not guarantee approval. Read the data-access consent and final offer before agreeing.
How your data is handled
- Statement access is read-only; repayment authority is separate
- Read the consent before connecting an account
- See our privacy information for data uses and disclosures
- Privacy requests are subject to legal record-retention obligations
A small loan isn't for everyone.
It's short-term cash for a one-off need — not a fix for ongoing money trouble. Check the cheaper options first:
- Essentials on a low income? A No Interest Loan (NILS) up to $2,000 has no interest or fees; eligibility applies, and the supplier is paid directly — No Interest Loans
- On Centrelink? Check eligibility for an advance at Services Australia; it reduces later payments
- Behind on a bill? Your electricity, gas, phone or water provider may have payment plans or hardship assistance; contact them early
- Juggling debts? Talk to a free, independent financial counsellor: National Debt Helpline 1800 007 007
Still weighing it up? Read our warning about borrowing — and if your circumstances change mid-loan, our hardship pathway explains how to ask for help.
Explore costs for a specific expense.
Costs and alternativesFair questions.
Costs, assessment and the planned product.
Can I apply now?
CashLift is preparing to launch. We are not providing credit or accepting applications. Join the waitlist for updates; a signup is not an application or approval.
What amount could I receive?
Our planned range is $200–$2,000 paid to you, with estimated terms of 4–16 weeks, subject to assessment and the final offer.
What does receiving $1,000 cost?
In our ten-week illustration, receive $1,000, fees total $320 and repay $1,320 in ten weekly payments of $132. Actual fee counts depend on the Loan Date and final repayment date. See the dated example on our fees page.
Can I repay in full early?
There is no early payout fee. Monthly fees whose dates have not arrived are not charged if repaid in full first. Already-charged fees remain; request a payout figure.
What if I cannot make a repayment?
Contact us early about hardship assistance. Your contract will explain any permitted default charges and missed-payment consequences. Asking for help does not itself mean you are in default.
What checks are involved?
Income, expenses, existing commitments, identity and ability to repay are assessed. Bank statement data requested with consent helps verify your circumstances. No approval or fixed decision time is guaranteed.
Be first to hear when we launch.
CashLift is preparing to launch and applications are not open. Join the waitlist for launch updates. Signing up is not a loan application or approval.