First Stop Money is Being Upgraded!

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First Stop Money will soon be offering a larger loan range, over a longer period - which should make repaying your loans with us easier to manage.

Until these upgrades have been made, please continue to our partner site, Cash Train to apply for your fast cash loan today.

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Continue to Cash Train

Apply Now for Fast Cash Loans of $100 - $1500*

* First Time Customers Can Now Borrow up to $800 Paid Direct to Their Bank Account
Loan       Cost *   Repay

Fast Cash Loans Online

Comparison Rate: $250 loan over 2 weeks 742.36%

* This calculator is based on a loan of between 16 and 30 days. Credit fees and charges apply.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

You could get the cash you need in an emergency.

Whether you need to pay for a bill, repair your car or simply make the most of your weekend, cash could be sent to you fast.

1. Apply Now

It only takes a few minutes to request $100 - $1500 and apply online.

2. Loan Offer

Based on your financial information, we offer you a loan amount subject to assessment.

3. Quick Assessment

Once you’ve accepted our conditional loan offer, we then assess the loan for suitability and affordability.

4. Cash Sent

Once approved, we send cash straight to your bank account.

Apply Now in Minutes

The Smart Choice

First Stop Money is a trading brand of one of Australia’s leading credit providers, MONEY3 Services Pty Ltd. We are the smart choice when it comes to a quick cash solution because we’re simple, clear and take a responsible lending approach.

How to Qualify

As a responsible lender, you must be:

  • Over 18 Years Old
  • Employed – Earning over $1200 Per Month
  • An Australian Resident

Apply Now in Minutes

First Stop Money Benefits

Our simple process means that you get your cash quickly when you need it most from time to time.

Cash Sent to You Fast

Once approved, we send the funds straight to your bank! Depending on who you bank with it can take time to clear into your account.

Simple & Secure Online Application

It is simple and takes minutes. To start just choose a loan amount from $100 to $1500.

Customer Benefits

As a repeat customer you could be eligible for a higher loan amount, subject to affordability and suitability.

Conveniently Online 24/7

You can apply online anytime and from anywhere in Australia!

Important Information Summary

As responsible lenders, we feel you should have as much information at your fingertips before making the decision to apply. With this in mind, here's a quick summary of key information and links to more detail:

Things You May Want To Know Important Information Summary Further Details
How to Contact Us Call Us: 08 9420 1480
Email Us:
Write to Us: PO BOX 395, Mt Lawley WA 6929
Contact Us
How We Are Regulated First Stop Money is a trading name of MONEY3 Ltd which holds an Australian Credit Licence, licence number 389 189 and is regulated by ASIC. MONEY3 is also a member of the Credit and Investments Ombudsman Scheme which can assist in any disputes that we are unable to resolve with you in the first instance. Our CIO Membership Number is M0001075. About Us
How We Secure Your Data Any information you enter on this site or in our application form is fully encrypted using the latest 128 bit SSL security. All data is captured and used according to the National Privacy Principles set out under the Privacy Act 1988 and used for the purpose of making a lending decision or offering a more suitable choice of product. Privacy Policy
Application Form
Responsible Lenders When the concept of "responsible lending" was introduced by the National Consumer Credit Protection Act 2009, it wasn't new to us. For us, responsible lending – such as making sure you can afford to repay the loan and that it helps you out as a short term fix, not a long term debt – has always been key to the way we work. In fact, we do more than the Act requires and are one of the only short term lenders we know who offer a 24 hour "No Worries" Guarantee – if you change your mind and return the cash within 24 hours, there's nothing extra to pay. Responsible Lending
How Much it Costs Our loan costs are the same for all states. We charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee. Loan Costs
Problems Making Your Repayments We understand that people do, with all the best intent in the world, have problems meeting their repayments. The key thing is that you speak with us and let us know what the problem is. If this is the case, we will work with you to help you meet your obligations without additional financial stress. If you do miss a payment a $38.50 failed payment fee may apply. If you choose to ignore your obligations and refuse to either make a payment or discuss the issue with us we have the right to take further action which could include registering a default on your credit file, passing your information to a specialist debt collection agency and/or legal action. Information Statement Q15
Loan Costs
Renewing Your Loan with Us A payday loan is a short term solution and not one intended to last more than a few weeks. We do not offer renewals. Once you have repaid a loan in full and in a timely manner, we will normally be able to assist you with further loans when required. As responsible lenders, we will continue to assess your circumstances for future loans. Information Statement Q16
Loan Costs

100% Privacy Policy-Site

We understand the importance of knowing your personal information is protected. This site is 128-bit SSL secured, meaning all data going to and from this site via our application form is fully encrypted.

Warning WARNING - Do You Really Need a Loan Today?*

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.