Rating based on 79 reviews


  • Short-term loans up to $10,000
  • Low-interest starting from 17.9%
  • Repayment up to 36 months

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Capfin homepage
Author Capfin. Screenshot of Capfin website.
[Accessed March 15, 2023]

About Capfin

We started with Spot Loans and are now a part of the international company known as Capfin - a company with more than 10 years of lending experience in the AU lending market.

Need a fast approval loan?

If you're like the rest of us, your monthly income goes out pretty fast and sometimes, there's just too much month left at the end of your money and when emergency expenses pop up you're left in deep water. Capfin can provide you with a short-term loan online to help you stay afloat.

We're committed to you

Capfin is committed to our customers - we are registered with the ASIC and are a global player with branches in over 15 countries. This means that we are ideally positioned to be faster and better than the large banks but still competitive against other alternative online lenders. 

Capfin Services

Capfin Direct specializes in providing short term cash loans that range from $500 to $10,000 to customers across Australia.

Our loans are just better

We offer both large and small quick loans online - with a low APR of just 48%. This means that we can provide you with a loan on the very same day that you apply, with the loan amount that you actually need and we do this without ever meeting you face-to-face!

Flexible loan terms

At Capfin we strive to provide our customers with loans that meet their needs - both in terms of the loan amount, loan rates and loan terms that fit in with their monthly budget. We offer short-term loans over 16 to 52 weeks so just about anyone can afford to take out a loan! 

Capfin – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 17.9%
  • Loan Amount up to $10,000
  • Repayment 6 months to 36 months

Benefits of Capfin

  • Affordable short-term loans in Australia
  • Flexible repayment options
  • Quick cash solutions

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Capfin has affordable and reliable short-term loans

Cash emergencies can happen when you least expect it and, there's nothing worse than running out of money days before your paycheck is due to arrive. If you need a payday loan to tide you over till payday - Capfin should be your first - and last stop.

Selecting a loan amount

Visiting our website will allow you to make use of our loan slider to calculate how much you can borrow and then make your online loan application right away. We offer small short-term loans that range from $500 to $10,000 - perfect for those who just need to make it till the end month or have to make a payment on overdue bills.

We also offer medium short term loans that start at $2,005 and go up to $3,000 for people who want to make travel arrangements, pay for larger bills, repair their broken-down vehicles or make a purchase they can't afford using their monthly income alone.

Selecting a loan term

Our smaller payday loans come with terms from 16 to 50 weeks which makes them highly affordable for people who have a tight budget or many existing debts. For people who want more than $2,000 - our medium-sized instant loans will do the job. For these bigger cash loans, customers can select a loan term of up to 52 weeks.

Apply online today

Capfin makes applying online for a loan really simple and quick. Once you've selected a loan amount and decided on the most suitable loan repayment terms you can then move on to our application page. We will need to confirm that you are a permanent resident of Australia, that you are 18 or over, are not currently bankrupt and that you earn more than $450 a week.

The three-step process

At Capfin we've made applying for a personal cash loan possible in just three easy steps:

  1. Apply for your loan as directed above
  2. Verify your loan and approve your offer
  3. Sign your loan agreement and get your loan

We have a frequently asked questions page that addresses the bulk of queries we get from customers but, if you don’t find an answer to yours - simply call us or send us an email. You can do this by navigating to our contact us page.

Let us provide you with an instant cash loan solution today - we're affordable, reliable and quick! 

Customer Reviews & Testimonials

March 2019

Capfin is different from other lenders in that they are dedicated and committed to providing the best service to their customers while maintaining competitive products. Their staff is always read...

Ellie A
— Gladstone —

November 2018

With its flexible loan terms, Capfin is one of my personal favourite lenders. Depending on what my budget looks like, I can either go for a shorter or longer loan to satisfy my financial needs. H...

Bruce M
— Goldcoast —

Capfin Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed