Rates and Fees for Loans
- The most transparent rates and fee guide for cash fast loans
- Borrow Against an Asset You Own
- Transparent and Clear Terms
- Pawn Your Asset for Cash Loan
- Agreement clearly explained
Clear Rates and Fees for Pawn Loans
This information is a summary of the rates and fees that may apply to a pawn loan advanced by Cash Fast Loans, Car Pawnbroker and Moneylender. It is designed to help borrowers understand the possible cost of a loan before applying.
Cash Fast is not a lender of personal loans or payday loans. We are a licensed Pawnbroker and Second-Hand Dealer regulated to operate within the State of New South Wales. Our loan service is based on lending money secured against goods, generally vehicles, that are retained by Cash Fast until the loan is repaid.
- Pawn loans secured against goods of value
- Cars and motorcycles commonly used as collateral
- Loan amount based on asset value
- No need for a good credit history
- Goods retained until the loan is repaid
- Rates and fees explained before signing
- Clear loan agreement provided before funds are released
Example Pawn Loan Fee and Repayment Table
Different loan amounts and loan terms may result in different comparison rates. The table below gives an example of how rates may apply for selected loan amounts.
This table is a guide only. Final rates, fees and repayment amounts are confirmed in the individual loan agreement before the borrower decides to proceed.
Example monthly loan fee: 4% of the loan amount.
| Amount You Borrow | Loan Term | Monthly Repayment x3 | Total Repayment |
|---|---|---|---|
| $200 | 62 to 90 days* (option to extend) | $88 | $264 |
| $500 | 62 to 90 days* (option to extend) | $220 | $660 |
| $800 | 62 to 90 days* (option to extend) | $352 | $1,056 |
| $1,000 | 62 to 90 days* (option to extend) | $440 | $1,320 |
Maximum Annual Percentage Rate based on the loan terms selected: 48%.
Loan contracts may have a duration between 62 days and 90 days. If an early payout or loan extension is needed, contact Cash Fast on 02 9630 6613 or visit our North Parramatta office.
Transparent Pawn Loans With No Hidden Fees
Cash Fast believes borrowers should understand the cost of their loan before anything is signed. That is why the loan amount, interest, repayment terms, asset holding process and any applicable fees are explained clearly at the start.
There are no hidden fees added without explanation. Each pawn loan is assessed individually, so the final rate and cost depend on the goods pawned, the amount borrowed, the agreed term and whether an extension is needed.
- No hidden fees added without explanation
- Interest explained at the contract stage
- Loan terms confirmed before signing
- Cost depends on the asset and amount borrowed
- Written agreement provided before funds are released
- Borrowers know what is due before proceeding
How Pawn Loan Interest Is Worked Out
Cash Fast Loans contracts are generally short-term. During the active loan period, a monthly interest fee may be charged. Interest is only charged for the term borrowed.
The interest rate is fixed at the initial contract date. The rate charged depends on the type of goods pawned and the amount borrowed, whether it is a smaller $500 loan or a larger loan up to $100,000. This means each loan can result in a different interest rate.
- Interest fixed at the start of the contract
- Interest is charged only for the active loan term
- No late penalty fees incurred
- The rate depends on the goods pawned
- The rate also depends on the amount borrowed
- Every loan is assessed individually
- Loan terms explained before signing
What Happens If You Need More Time?
If you need to extend your loan past the original agreed period, Cash Fast may allow an extension. In this case, a monthly safekeeping fee may apply instead of interest.
It is best to contact Cash Fast before the original loan term ends if you think you may need more time. Our team can explain the available extension options and any fees that may apply before you proceed.
- Loan extensions may be available
- A monthly safekeeping fee may apply
- Contact Cash Fast before the loan term ends
- Extension terms explained upfront
- Goods remain securely held during the extension
- The asset is released once the loan is repaid
What Can Affect Your Pawn Loan Rate?
Every pawn loan is different because every asset and loan amount is different. Cash Fast reviews the goods being pawned, the loan amount requested and the agreed loan period before confirming the final loan terms.
This helps ensure the loan offer is based on the actual value of the asset being used as collateral, rather than your credit score or borrowing history.
- Type of asset being pawned
- Value and condition of the asset
- Loan amount requested
- Agreed loan term
- Whether an extension is needed
- Whether early payout is requested
- Asset storage or safekeeping requirements
Rates Based on Asset Value, Not Credit Score
Borrowers do not need a history of good credit to apply with Cash Fast. Good or bad credit is not the main factor because loans are not advanced based on creditworthiness.
The loan is based on the value of the goods pawned and used as collateral. This makes the process different from mainstream finance, payday loans and personal loan providers.
No credit check required
Good or bad credit is not the main factor
Loan secured against pawned goods
Asset value used for assessment
No bank-style approval process
Suitable for borrowers with poor credit history
Clear agreement before funds are released
Paying Out Your Loan or Collecting Your Asset
When you are ready to finalise the loan and collect your asset, contact Cash Fast before visiting. The outstanding loan amount and any agreed fees must be paid before the asset can be released.
If you want to pay out the loan early, our team can confirm the payout amount and explain the next steps. Interest is only charged for the term borrowed, based on the agreement.
- Contact Cash Fast before collecting your asset
- Full payout required before asset release
- Early payout may be available
- Fees based on the active loan period
- Asset returned once the loan is finalised
- Call 02 9630 6613 for payout details
Car Pawnbroker & Moneylender: Experienced & Licensed
Cash Fast Loans is a licensed Pawnbroker and Second-Hand Dealer regulated to operate within New South Wales with 20 years of experience. We provide pawn loans secured against goods such as cars, motorcycles and approved assets.
Cash Fast is a Sydney-based pawn broker focused on vehicle-backed lending and asset-secured cash loans.
- Licensed NSW pawnbroker and second-hand dealer
- Licence No. 2PS04381
- Based in North Parramatta, NSW
- Vehicle-backed pawn loan service
- Clear written agreements
- Secure asset handling during the loan period
How Cash Fast Loans Are Different From Regulated Credit
As a pawnbroker lender, the Cash Fast approval process is different from the mainstream finance industry. Cash Fast lends money secured against goods, generally vehicles, and those goods are retained until the loan is repaid.
Cashfast is not recognised as a financier and does not provide regulated personal loans or payday loans. Our pawn loan service is exempt from the Federal Government Credit Act 2009, but may be covered by other provisions of the Australian Securities and Investments Commission Act 2001.
- Not a payday loan lender
- Not a personal loan provider
- Pawn loans secured against goods
- Goods retained until repayment
- Loan based on asset value
- Federal Government Credit Act 2009 exemption may apply
- Australian Securities and Investments Commission Act 2001 provisions may apply
- Borrower receives loan terms before signing
Speak With Cash Fast Before You Apply
Need money now and want to understand the cost before applying? Contact Cash Fast for clear information about pawn loan rates, fees, repayment terms, early payout and extension options.
Our North Parramatta office is conveniently located for Sydney and NSW customers who want to borrow against an asset they own.
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Frequently Asked Questions
Are Cash Fast rates the same for every loan?
No. Each loan is assessed individually. The final rate depends on the goods pawned, amount borrowed and loan term.
Are there hidden fees?
Cash Fast explains the loan amount, interest, repayment terms and applicable fees before you sign the agreement.
Do I need good credit to apply?
No. Cash Fast pawn loans are based on the value of the goods used as collateral, not your credit history.
Can I extend my pawn loan?
Loan extensions may be available. A monthly safekeeping fee may apply if the loan is extended beyond the original agreed period.
Can I pay off the Cashfast loan early?
Early payout may be available. Contact Cash Fast to confirm the payout amount and next steps before collecting your asset.
Is Cash Fast a payday loan lender?
No. Cash Fast is not a payday loan or personal loan lender. It operates as a licensed NSW pawnbroker and second-hand dealer.
What laws apply to Cash Fast pawn loans?
Cash Fast operates as a licensed Pawnbroker and Second-Hand Dealer in New South Wales. The service is different from mainstream finance and may be subject to relevant NSW pawnbroking laws and provisions of the Australian Securities and Investments Commission Act 2001.
Where is Cash Fast located?
Cash Fast is located in North Parramatta, NSW, and assists customers across Sydney and New South Wales.