Cash Bridge Loan Review

Explore the financial solutions provided by Cash Bridge, alongside their fees, terms and more, with Savvy today.

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, updated on February 12th, 2024       

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Cash Bridge is a lender based in Melbourne which offers small loans, in addition to other business and leisure finance solutions. Before making any decisions with Cash Bridge, knowing how its finance products work, as well as the fees and terms is essential. Fortunately, you can explore these details with Savvy. Dive into our analysis of its offerings and discover potential alternatives with us today!

Rates and product information are correct as of 12 February, 2024.

Cash Bridge Loan Review

How do Cash Bridge's small loans work?

With Cash Bridge, borrowers have access to loans ranging from $300 to $2,000, with repayment terms ranging from nine to 13 weeks. These loans are categorised as Small Amount Credit Contract (SACC) loans and are governed by specific regulations regarding fee structures. Borrowers can choose their repayment frequency (either weekly, fortnightly or monthly) without incurring additional charges for early repayments.

The application process for Cash Bridge is entirely online. Upon submission, applicants will receive a prompt decision, and if approved, funds can be disbursed as soon as the same day you apply.

What will the cost of a small loan through Cash Bridge be?

Cash Bridge provides small loans with the following price breakdown:

  • Establishment fee: 20% of your loan amount
  • Monthly fee: 4% of your loan amount
  • Cost example: for a $1,000 small loan repaid monthly over three months, you would incur a $200 establishment fee and a $40 monthly fee, resulting in a total loan cost of $1,320.

You may also be charged further fees in certain situations, such as for direct debit dishonours ($35) and defaults ($5 per day), but it’s important to note that these will only apply if you find yourself in these circumstances.

Can I qualify for a small loan with Cash Bridge if I have bad credit or receive Centrelink payments?

While Cash Bridge doesn’t confirm on its site its specific policies relating to bad credit and Centrelink, small loans are designed to offer a solution to those who aren’t able to access funds via traditional lenders. This means that those who have struggled in the past may be approved for a loan, provided they satisfy all of Cash Bridge’s eligibility criteria.

Additionally, although requirements surrounding Centrelink payments vary, some lenders may be able to consider your application if you solely rely on stable benefits, such as if you’re a single mother or are receiving a veteran payment or age pension. However, many others will implement a cap of 50% of your income coming from Centrelink, so it’s important to check if you wish to apply for a loan through Cash Bridge.

What are the potential alternatives to a small loan with Cash Bridge?

An alternative option to consider other than Cash Bridge is applying for a small loan through Savvy. We’re partnered with a variety of Australian lenders to help borrowers access the funds they need fast.

The step-by-step process of submitting your small loan application with us is as follows:

  1. Complete our straightforward application form, providing essential details such as your credit score, income, employment status, and desired loan amount, ranging from $2,050 to $5,000.
  2. Submit your application and receive an instant automated decision from one of our partnered lenders.
  3. Upon conditional approval, your application will be evaluated by your assigned lender, which may require additional documentation.
  4. Upon lender approval, you'll receive formal approval and loan documents outlining your loan terms, fees, repayment schedule, and other relevant information.
  5. After signing and returning the documents, your funds will be promptly deposited into your designated bank account. This may take place as soon as the same day.
Apply now

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The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.

For loans between $2,050 and $5,000, the APR is between 21.24% (minimum) and 48% (maximum) per annum. Comparison rate of 65.4962%. Minimum term is 16 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $3,000 over 3 months with an APR of 48%, (comparison rate of 65.4962%), will have an establishment fee of $400, monthly repayments of $1,225.20. Total repayments of $3,675.60 and total interest payment of $275.60.

Warning: A comparison rate indicates the true cost of a loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.