Can I apply?
CashLift SACC loans are available to Australian residents aged 18+. We look at income stability and affordability — not your credit score.
You must be…
- ✓ Aged 18 or over
- ✓ An Australian citizen or permanent resident
- ✓ Receiving regular income (employed, self-employed, or eligible government benefits) of at least $800 per fortnight
- ✓ Not currently in bankruptcy or a Part IX debt agreement
- ✓ Able to make weekly repayments that fit within your budget
- ✓ Contactable by email and SMS
You'll need…
- ✓ A valid Australian driver's licence, passport, or Medicare card
- ✓ Read-only access to the last 6 months of your bank statements, authorised through open banking — we never see or store your banking password
- ✓ A smartphone or device with a camera (for ID and liveness check)
- ✓ A bank account that receives your pay — we deposit and debit to the same account
What we actually check
Most SACC lenders use a credit bureau. We don't — here's why. Bureau files for our customer base are thin or stale, and they miss the single most important signal: do you have regular money coming in, and does it cover your essentials plus this loan? That question is answered by the last 6 months of bank statements, not a credit score.
Did pay arrive on time, the expected amount, for the last 3 months?
Rent, utilities, groceries, transport — the normal essentials a person has to pay.
Other loans, BNPL, credit cards — what's already committed each cycle.
NSF fees, overdrawn days, high-cost credit, gambling transactions — we flag but don't automatically decline.
RapidID (GBG): name, DOB, address match; document validity; liveness; AML/sanctions screening.
Your income minus verified essentials must still comfortably absorb the weekly repayment.
Thin credit file? Past default? Read this.
A defaulted credit file from three years ago is not an automatic decline.
Bankruptcy or a Part IX agreement currently on foot is a decline. Unpaid
SACC loans with another lender in the last 90 days is a decline.
Everything else, we'll assess on actual affordability.