RATES & FEES

Every cent. Upfront. On one page.

We're regulated as a Small Amount Credit Contract (SACC) lender under the NCCP Act. There's a legal cap on what we can charge — and we show you all of it.

The rate card

Establishment fee

20% of principal

One-off, charged at the start

Monthly interest

4% per month

On outstanding balance

Dishonour fee

$15

If a scheduled direct debit fails — capped at one per failed attempt

Default fee

Capped by NCCP s39B

We don't stack — we explain before charging

Early payout fee

Pay off any time, save the remaining interest

Broker / referral fee

We don't pay commissions to brokers

Variation fee

Change your direct debit date at no charge

Comparison rate available on request and in full loan disclosure. The comparison rate is based on a loan of $1,000 over 12 months — it may not account for all fees that apply to a SACC.

01 / Estimate

Live · updates as you adjust

I want to borrow $200 – $2,000

$1,200

Establishment (20%) $240.00

Monthly interest 4% of outstanding

Weekly repayment Set based on your budget

Continue with $1,200 →

All fees shown. Subject to approval. Comparison rate in full disclosure.

What the fees work out to

Establishment fees are 20% of what you borrow, one-off. Here's what that looks like at different amounts. Your weekly repayment is set based on what fits your budget.

Emergency vet bill

$500

principal

Establishment (20%)$100.00

Monthly interest4% of balance

Weekly repaymentSet for your budget

Car transmission repair

$1,200

principal

Establishment (20%)$240.00

Monthly interest4% of balance

Weekly repaymentSet for your budget

Rental bond bridge

$1,800

principal

Establishment (20%)$360.00

Monthly interest4% of balance

Weekly repaymentSet for your budget

NCCP protection. Under the National Consumer Credit Protection Act, SACC lenders cannot charge more than 20% establishment + 4% monthly interest on loans of $2,000 or less. We operate well within this cap. If you believe you've been charged a fee outside the NCCP rules, contact us at complaints@cashlift.com.au or lodge a complaint with AFCA.