A little lift, right when you need it.
Borrow $200 to $2,000 for life's curveballs — a car that won't start, a bill that won't wait. Fees capped by law, no rollovers, and nothing extra to pay it out early. Repayments are set around your budget, not ours.
Let's get started
- Fees capped by law — every dollar shown before you sign
- Equal repayments, matched to your pay cycle
An illustration, not an offer. We're not lending yet — your term and repayments will come from your verified income and expenses.
Three steps. No paperwork.
SACC APPLICATIONTell us how much
Pick an amount. We'll set a weekly repayment that fits your budget — no guesswork.
Connect your bank
Connect through a bank-statement provider — read-only, we never see your password. We review the last 6 months of statements to check affordability.
Review, sign, get paid
If approved, you review the contract in full before signing anything.
What you see is what you pay.
We're regulated as a Small Amount Credit Contract (SACC) lender. The law caps what we can charge. We show you all of it — upfront, before you apply.
Borrow $500 over 8 weeks
$100 establishment + 2 × $20 monthly fee
You repay $640 — about $80/week
See the full repayment schedule — $500.00 over 8 weeks
| Week | Payment | Remaining |
|---|---|---|
| 1 | $80.00 | $560.00 |
| 2 | $80.00 | $480.00 |
| 3 | $80.00 | $400.00 |
| 4 | $80.00 | $320.00 |
| 5 | $80.00 | $240.00 |
| 6 | $80.00 | $160.00 |
| 7 | $80.00 | $80.00 |
| 8 | $80.00 | $0.00 |
Estimate assuming the full term; a fee applies for each month or part-month. Pay out early any time for $0 and save the remaining monthly fees.
| Establishment fee | 20% of principal | one-off |
| Monthly fee | 4% per month | on the amount borrowed (fixed) |
| Dishonour fee | $15 | if a direct debit fails |
| Default fee | Capped by NCCP | we don't stack charges |
| Early payout | $0 | pay it off whenever |
How a small loan stacks up.
A CashLift loan isn't always the cheapest way to cover a gap — if you have a credit card with room, a cash advance usually costs less. Here's the honest comparison, so you can pick the right tool.
| CashLift SACC | Credit-card cash advance | Overdrawing your account | |
|---|---|---|---|
| Total cost known upfront | Yes — fixed in dollars before you sign | No — interest accrues daily until repaid | No — fees stack per failed payment |
| Defined end date | Yes — 4 to 16 weeks, then it's over | No — revolving | No |
| Cost capped by law | Yes — NCCP caps every fee | No | No |
| If a payment fails | $15, and we call to reschedule | Interest keeps compounding | $15–$30 per dishonour, per biller |
Your bank statements, not a bureau score.
We assess the last 6 months of your real income and spending — not a credit score built for mortgages. Thin credit file? Doesn't matter. What matters is that the repayment fits your actual budget.
Applying doesn't add a bureau inquiry to your file, because a bureau score isn't part of our decision.
HOW YOUR DATA IS HANDLED
- Statement access is read-only — we never see or store your banking password
- Encrypted in transit and at rest
- Used for your assessment — never sold
- Deletion on request once your loan is closed, beyond what the law makes us keep
A small loan isn't for everyone.
It's short-term cash for a one-off need — not a fix for ongoing money trouble. Check the cheaper options first:
- Essentials on a low income? A No Interest Loan (NILS) up to $2,000 costs nothing — nils.com.au
- On Centrelink? Ask about an advance payment: 13 17 94
- Behind on a bill? Your electricity, gas, phone or water provider must offer a payment plan if you ask
- Juggling debts? Talk to a free, independent financial counsellor: National Debt Helpline 1800 007 007
Still weighing it up? Read our warning about borrowing — and if your circumstances change mid-loan, our hardship pathway is a one-pager, not a phone tree.
We're not open yet.
We're finishing the last of our systems and approvals. Leave your email and we'll tell you the day we start lending — nothing before that.