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April 16, 2026This means we don’t do credit checks and we don’t have immediate access to financial information about you. When applying for a No Interest Loan of up to $2000, there are NO credit checks. When applying for a No Interest Loan of up to $2,000, there are NO credit checks. No Interest Loans are a smart loan option to help you manage your money.
You can turn it on or off at any time, all in the CommBank app. You can also apply a temporary spending cap to manage your short-term budgeting needs. Keep in mind if you wish to increase it in the future, you many need to reapply and be approved.

Complemented with fast settlement, we are there to support your growth. Our branches are conveniently located in retail areas, making it easy to get the support you need. For over 20 years, we’ve been helping Australians access regulated credit solutions that come with strong consumer protections. While this must be confirmed by a Centrelink Income Statement, Cash Train has helped many people with Centrelink loans. At Cash Train, we believe in giving everyone a go, even if your credit history isn’t perfect.
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- If you think you might have trouble making a payment, our friendly team is here to help.
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With that said, Cash Train can still provide an instalment loan to consumers with poor credit scores as long as they meet other eligibility requirements. As a responsible lender, Cash Train may perform consumer credit checks and assess the income of all applicants before approving any loan. If you think you might have trouble making a payment, our friendly team is here to help. We can align your repayments with your pay cycle, like making monthly payments if you’re paid monthly. Since we already have your information on file, we’ll often just need the reason for your new loan, the amount you want to borrow and confirmation that your circumstances haven’t changed.

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When you make a purchase of $100 or more, it will be split into four equal fortnightly repayments. If there aren’t enough funds in the account, your StepPay card will be temporarily blocked until the funds are available. CommBank Yello customers can receive up to 10% of the booking amount back in travel credits to use towards any future purchases in Travel Booking.# Aside from helping you manage your everyday expenses, StepPay can be a great tool to help pay for your travel costs, whether it’s a weekend getaway or overseas trip. When you apply, we’ll conduct a credit check to make sure StepPay is right for you, and help to determine your StepPay spending limit. This is to help make sure StepPay is appropriate for your financial situation – we want to help you meet your financial needs with the right product for you at the right time.
If you’re eligible, you’ll receive a conditional loan offer that outlines the terms of your loan. Our priority is ensuring your loan is affordable and suitable for you. If your application is successful, a conditional loan offer is provided which outlines the terms of their loan agreement. An APR (Annual Percentage Rate) does not apply to Cash Loans. The minimum loan term is 2 months and a maximum of 12 months.
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With out-of-the-box payment solutions to suit almost every industry or business, we work hard to ensure your payments just work! We provide everything you need to start taking payments for your business. You can easily visit your local branch to apply for a loan, get help from a real person, or pick up your money. Cash Train’s primary requirement for a loan is proof of income – which includes regular Centrelink payments. Unlike big banks, we look at your overall financial situation and your ability to comfortably repay your loan. As long as you can meet your loan repayments, and the loan that we can offer, meets your requirements and objectives, and that you can afford the higher amount.
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The card can be used for purchasing goods and services where Mastercard Prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). Excludes ATMs, over the counter at financial institutions and merchants who elect not to accept Mastercard Prepaid™ cards. Use it for shopping in-store, over the phone, or online – wherever Mastercard® is accepted1. The RAP framework provides us with measurable objectives to increase our accountability and contributions to reconciliation, driving genuine and positive change. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. You’ll also get exclusive travel money offers, tips & tricks and much more!
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