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

Responsible Lending Policy

Responsible Lending with First Stop Money

First Stop Money is a trading brand of MONEY3 Services Pty Ltd, one of Australia’s leading online responsible payday lenders.

For us, responsible lending means three things:

  • That you can afford to repay the loan without financial stress
  • That we lend you the amount we think is affordable and meets your needs
  • That we’re here to help whether you’re applying for a fast cash loan, larger personal loan or having problems making your loan repayments

That’s why we ask you questions when you apply online about your income and outgoings, as well as independently verifying some of the information you provide. That way, we do our best to make sure that the loan we offer you is the best thing we can do for you.

It’s also important for us to be transparent so that you are absolutely clear about how much you can borrow, how much you repay on your loan and what costs you may incur if you have unforeseen problems repaying your loan. Our section on payday Loan Costs gives you all the information and the calculator on the application form will help you choose a short term loan amount that is affordable for you.

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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.