Adelaide
Cash Loans.

No! Gusto Cash is a 100% online lender. You can complete the entire application and sign your contract digitally from anywhere in Adelaide or all around Australia.

If you apply during business hours and provide all necessary documents (100 points of ID, 90 days of bank statements), our team will assess your application within hours. If approved, funds are transferred immediately and can clear the same day.

Yes, our loan assessment considers your current financial situation, not just your past credit file. If your situation is improving and you can comfortably afford the repayments, your application will be considered.

Start by completing our online application form. You will also need to supply the following documentation:

• 100 points of ID
• 90 days worth of bank statements
• Centrelink statement (if applicable)

The short answer is yes, but it will depend on the number, size, and type of default.

Being on a current repayment plan will also improve your application.

A credit check will be conducted as part of the assessment of your loan application.

This will be visible as an inquiry on your credit file.

Yes, Centrelink income will be considered when assessing your capacity to make repayments on your cash loan. 

However, not all Centrelink income categories are eligible.

People in Adelaide can apply for personal cash loans starting at $2,001 up to $5,000. The final amount depends on what you can comfortably afford to repay.

Your loan application will be assessed within hours in most cases, and same day loan approvals are possible.

Once approved and you have accepted the contract your deposit will be made immediately. 

Our personal loan product incurs an establishment fee of $400 and a 47.8% interest rate (comparison rate 65.6%*).

See our costs page for full details.

* The comparison rate is based on a $2,500 loan over two years. 

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Gusto cash does not offer payday loans, or Small Amount Credit Contracts (SACCs). 

Payday loans were essentially outlawed in Australia when the SACC legislation was introduced. So these terms are used interchangeably. 

The loans offered by Gusto Cash have longer repayment terms than a Payday/SACC loan and are designed to be manageable without causing financial hardship to the borrower. 

There is also no penalty for early repayment so you can exit the loan when it suits you. 

All Gusto Cash Loans are unsecured. If you are looking for a secured loan then speak to the team of brokers over at Gusto Finance.