Every cent. Upfront. On one page.
We're regulated as a Small Amount Credit Contract (SACC) lender under the NCCP Act. There's a legal cap on what we can charge — and we show you all of it.
The rate card
We charge fees, not interest — a SACC has no annual percentage rate. The two fees above, both capped by the NCCP Act, are the entire cost of the loan.
Let's get started
- Fees capped by law — every dollar shown before you sign
- Equal repayments, matched to your pay cycle
An illustration, not an offer. We're not lending yet — your term and repayments will come from your verified income and expenses.
What the fees work out to
Fees are fixed by law: 20% of what you borrow, once, plus 4% of the original amount each month. Here's the full cost at three amounts — estimates assuming the full term; your exact repayment is set with you during the application.
See the full repayment schedule — $500.00 over 8 weeks
| Week | Payment | Remaining |
|---|---|---|
| 1 | $80.00 | $560.00 |
| 2 | $80.00 | $480.00 |
| 3 | $80.00 | $400.00 |
| 4 | $80.00 | $320.00 |
| 5 | $80.00 | $240.00 |
| 6 | $80.00 | $160.00 |
| 7 | $80.00 | $80.00 |
| 8 | $80.00 | $0.00 |
Estimate assuming the full term; a fee applies for each month or part-month. Pay out early any time for $0 and save the remaining monthly fees.
See the full repayment schedule — $750.00 over 8 weeks
| Week | Payment | Remaining |
|---|---|---|
| 1 | $120.00 | $840.00 |
| 2 | $120.00 | $720.00 |
| 3 | $120.00 | $600.00 |
| 4 | $120.00 | $480.00 |
| 5 | $120.00 | $360.00 |
| 6 | $120.00 | $240.00 |
| 7 | $120.00 | $120.00 |
| 8 | $120.00 | $0.00 |
Estimate assuming the full term; a fee applies for each month or part-month. Pay out early any time for $0 and save the remaining monthly fees.
See the full repayment schedule — $1,000.00 over 12 weeks
| Week | Payment | Remaining |
|---|---|---|
| 1 | $110.00 | $1,210.00 |
| 2 | $110.00 | $1,100.00 |
| 3 | $110.00 | $990.00 |
| 4 | $110.00 | $880.00 |
| 5 | $110.00 | $770.00 |
| 6 | $110.00 | $660.00 |
| 7 | $110.00 | $550.00 |
| 8 | $110.00 | $440.00 |
| 9 | $110.00 | $330.00 |
| 10 | $110.00 | $220.00 |
| 11 | $110.00 | $110.00 |
| 12 | $110.00 | $0.00 |
Estimate assuming the full term; a fee applies for each month or part-month. Pay out early any time for $0 and save the remaining monthly fees.
NCCP protection. Under the National Consumer Credit Protection Act, SACC lenders cannot charge more than a 20% establishment fee + a 4% monthly fee on loans of $2,000 or less, and the total you repay can never exceed 200% of what you borrowed. We operate well within these caps. If you believe you've been charged a fee outside the NCCP rules, contact us at complaints@cashlift.com.au or lodge a complaint with AFCA.