First Stop Money is Being Upgraded!

Sorry, we are currently offline.

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.

Continue >

Continue to Cash Train

Costs & Benefits

Our Loan Costs Are Clear

No hidden fees or charges, just simple repayments.

For each short-term loan there is a 20% establishment fee of the total amount borrowed plus a 4% monthly fee. Our loans are designed to be repaid within 30 days, depending on your pay cycle.

It doesn’t matter whether you are paid weekly, fortnightly or monthly, we match your repayments to your paydays, so it’s simple.


See How Much You’ll Repay:

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.


Other Potential Charges

We don’t charge any additional fees if you pay back on time. If you think you may have issues repaying your loan, the best thing to do is to contact us beforehand so that our team can help you directly. Below is a list of potential charges:

Potential Charges Fee
Failure to Make a Scheduled Repayment $38.50

If you are successful in your application, please read your contract carefully so you understand all fees and charges.

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.