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

How it Works

Getting Cash is Simple

At First Stop Money we know that when you're short on cash, you need a fast solution, so that’s why we’ve made it easy! Just check if you qualify and then follow our 4 step process for a quick decision.

  • Over 18 Years Old
  • As a responsible lender you must be at least 18 years old to Apply Online.

  • Earning Over $1200 a Month
  • It doesn’t matter whether you're employed full-time or part-time, as long as you’re paid over $1200 a month directly into your bank account.

  • An Australian Resident
  • We accept applications from Australian residents only.

Our Process is Quick, Easy and 100% Online

Get started by applying online and we will give you a quick loan offer fast.

1. Apply Online

It’ll only take a few minutes to get started.

2. Loan Offer

Based on the information you provide, we offer you a loan amount.

3. Quick Assessment

Once you’ve accepted your loan offer, we then assess your loan subject to suitability and affordability.

4. Cash Sent

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

Apply Now in Minutes


It is important to check our Loan Costs, so that you understand what your repayments are and additional costs for failed/missed payments. We believe in being upfront with all our costs, even potential costs.

We schedule your repayments to match your paydays over a 30 day period. Depending on your circumstances it may exceed the 30 day period, but it will be outlined within your loan contract.

We will directly debit the account your salary is paid into on the scheduled dates.

If you think you may not be able to make a repayment, it’s important to call us straight away so that we will be able to help you.

Future Loans

Once you have repaid your loan, you can then re-apply for up to $1,500, subject to affordability and suitability.

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.