We think short-term lending should feel boring.
Not boring as in bad. Boring as in predictable. Transparent fees, honest communication, and absolutely no tricks between what we advertise and what you actually pay.
Why CashLift exists
Short-term lending in Australia has been adversarial for too long. Hidden fees, aggressive rollovers, opaque eligibility, predatory collections. People who take out a $500 loan to cover a car repair end up paying it off for 18 months. That's not finance — it's extraction.
We started CashLift because the category needed a boring-on-purpose alternative: fair fees posted on the home page, a 10-minute decision, no rollovers, and a hardship pathway that actually helps. The technology gets us there faster and cheaper than traditional lenders, so we can afford to be fair and still be sustainable.
How we make money (and how we don't)
We charge a one-off establishment fee (20% of principal, capped by NCCP) and a monthly interest rate (4% of outstanding balance). That's it. We don't:
- Charge brokers commissions to send us customers
- Stack default fees to punish missed payments
- Auto-roll loans into new products at maturity
- Sell your data to anyone, for any reason
- Upsell you to a bigger loan than you asked for
If a customer repays early, we refund the unearned interest. If a customer struggles, we restructure. Our model relies on a large number of small loans performing predictably — not on squeezing individuals.
Our regulator and our partner
CashLift is an Authorised Representative of Bacena Pty Ltd (ACL 421074). Bacena holds our Australian Credit Licence; CashLift operates the lending platform under that licence. We're regulated by ASIC under the National Consumer Credit Protection Act 2009 (NCCP) and are a member of the Australian Financial Complaints Authority (AFCA) — the free, independent external dispute resolution scheme.
We comply with responsible lending obligations under s128–s133 of the NCCP, AML/CTF obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, and privacy obligations under the Privacy Act 1988 and the Credit Reporting Privacy Code.
Leadership
Fifteen years in Australian lending — credit, collections, origination, and product at Fundo, Fairgo, SocietyOne and Westpac. Built the credit models and collections playbook that underpin CashLift.
Owner of Bacena Pty Ltd (our ACL partner), property developer delivering 5,000+ lots a year in Queensland, and private credit investor. Provides capital backing and compliance infrastructure.
Contact the team
For product questions, hardship assistance, complaints, or media — see the contact page. We publish phone hours, email addresses and postal address in one place, not buried.