What Cash Stop does

Cash Stop is an Australian consumer finance company founded in 2000, operating under Cash Stop Financial Services Pty Ltd (ABN 66 091 194 786) and ultimately held by Commit Co Pty Ltd. The company is regulated under Australian Credit Licence 389 433 and offers short-term and small-ticket lending products to individual consumers across New South Wales, Victoria, and Queensland. Core products are Fast Cash Loans of $200-$2,000 (2-12 month terms, 20% establishment fee plus 4% monthly fee) and Personal Loans of $2,001-$8,000 (15-19 month terms, same fee structure), with complementary services in pawn broking (jewellery, gold, electronic goods), cheque cashing, and foreign currency exchange. Customer segments target everyday consumers with emergency cash needs, Centrelink income recipients, and applicants with impaired credit histories who are underserved by mainstream banks.

The business is delivered through a hybrid physical-and-digital model: approximately 9 active branches (Parramatta, St Marys, Ingleburn, Fairfield, Mt Druitt, Dandenong, Geelong, Cairns, Sunshine/Glenroy) supported by a web application portal (cashstop.com.au, my.cashstop.com.au), iOS and Android mobile apps, phone service (1300 762 261 / 1300 721 001), and an eBay store for resale of pawned goods. Underwriting relies on integration with three Australian credit reporting bodies (Equifax, illion, Experian) and manual affordability assessment per the National Consumer Credit Protection Act. Operationally, the company has undergone extensive branch consolidation, merging at least 10+ locations into adjacent Cash Train branches over recent years, signaling a footprint rationalization phase.

Revenue is generated primarily through transaction-based fees on loan origination (20% establishment) and monthly servicing (4%), plus pawn broking spreads, cheque cashing fees, and FX margins. No external funding, private equity involvement, or public listing is disclosed; ownership is private within the Commit Co group, which also owns related subsidiaries Branch Loans Pty Ltd, Online Loans Pty Ltd, Cash Stop Gold Pty Ltd, and Cash For Gold Pty Ltd. The company does not disclose revenue, employee count beyond a 251-500 band, or growth metrics, and there are no reported AI/ML capabilities, patents, awards, or material technology partnerships beyond the credit bureau integrations.

Name

Cash Stop

Legal name

Cash Stop Financial Services Pty Ltd

Website

https://cashstop.com.au

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Cash Stop is an Australian consumer finance company founded in 2000, providing short-term cash loans ($200-$8,000), pawn broking, cheque cashing, and currency exchange to sub-prime and Centrelink-recipient consumers across NSW, VIC, and QLD via branches and digital channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

akta.pro secondary industries

Online/Digital Pawn & Remote Collateral Lending (FSAKALAG), Check Cashing with Deferred Presentment (FSAKAMAL)

Keywords

• Short term loans
• Pawn broking services
• Personal cash loans
• Cheque cashing services
• Foreign currency exchange

Headquarters

HQ city

Campbelltown

HQ country

Australia

HQ region

Oceania

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Short-term Cash Loans: Fast Cash Loans up to $2,000 with 20% establishment fee and 4% monthly fee. Example: $1,000 over 6 months costs $440 in fees, total repayment $1,440. Minimum term 2 months, maximum 12 months.
2. Personal Loans: Personal loans up to $8,000 for larger financial needs with longer repayment terms
3. Pawn Broking: Pawn broking services including buying, selling, and loaning against jewellery, gold, and electronic goods. Also operates eBay store for pawned goods.
4. Cheque Cashing: Cheque cashing services for customers needing immediate access to funds
5. Foreign Currency Exchange: Currency exchange services for customers needing foreign currency

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Cash Stop is an Australian consumer finance provider offering short-term cash loans (Fast Cash Loans from $200 to $2,000 and Personal Loans from $2,001 to $8,000) along with pawn broking, cheque cashing, and foreign currency exchange services. Operating since 2000, the company delivers these financial services through a hybrid of physical branches across NSW, VIC, and QLD and digital channels including a website, online member portal, and iOS/Android mobile apps. Loan products carry a 20% establishment fee plus a 4% monthly fee, with instant funds transfer within 30 minutes of approval.

Product overview

Cash Stop is a financial services company offering a portfolio of short-term lending and pawn broking products. The core offerings include Fast Cash Loans ($200-$2,000) and Personal Loans ($2,001-$8,000), both featuring 20% establishment fees and 4% monthly charges. These loan products are available through online applications, physical branches, and a mobile app. Complementary services include pawn broking for gold, jewellery, and electronics; jewellery-specific loans; cheque cashing; and foreign currency exchange. The company operates an eBay store for resale of pawned goods. Cash Stop has been operating since 2000, offering both online and in-branch experiences across multiple Australian locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Fast Cash Loan

Quantifiable outcome

• Instant funds transfer within 30 minutes of loan approval
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Credit Reporting Bodies (Equifax, illion, Experian)coreTechnology or IntegrationCash Stop exchanges credit information with major Australian credit reporting bodies: Equifax Pty Ltd, illion Pty Ltd (formerly Dun & Bradstreet), and Experian for the purposes of assessing creditworthiness, credit history verification, and repayment tracking.

Scale indicators4 records

Recent moves18 records

Expansion highlights4 records

Regional players

• Aussiepawn: Australian pawn broking specialist offering loans against gold, jewellery, and electronics. Direct comparable on the pawn segment of Cash Stop's business, particularly for store-level competition.

Direct peers

• Wallet Wizard / MoneyMe: ASX-listed (MoneyMe) digital lender offering small cash loans and personal loans to underbanked Australian consumers. Closely comparable underwriting and product mix, with a heavier digital-channel weighting.
• CashDirect: Australian short-term and medium-term cash loan provider with similar fee structures and subprime underwriting, serving as a near-direct competitor in the same target segments.
• Nimble: Australian online-only short-term and personal loan provider serving similar subprime and Centrelink-income segments. Comparable on loan size, fee structure, and target borrower profile.
• Cash Converters International: ASX-listed provider of small-sum cash loans, pawn broking, and second-hand retail in Australia. Directly comparable to Cash Stop across lending product structure, pawn broking, and store-based distribution.
• Cash Train: Sister short-term lender under the same parent Commit Co Pty Ltd, with multiple branches that have absorbed merged Cash Stop locations. Operates a near-identical product set (fast cash loans, personal loans, pawn broking).

Others

• Yellow Brick Road / Loan Market aggregator network: Australian loan broker and aggregator network. Comparable only loosely; they channel borrowers to lenders rather than lend directly, but compete for the same consumer-credit demand pool and could form a partnership or distribution channel for Cash Stop.

Broad incumbents

• Plenti Group: ASX-listed consumer lender covering automotive, renewable energy, and personal loans. Adjacent rather than direct, given larger loan sizes, but competes for the same underbanked Australian borrower pool Cash Stop targets.
• Afterpay (Block): BNPL incumbent now part of Block. Does not offer cash loans, but competes for the same small-dollar, app-originated, short-term credit moment that drives demand for Cash Stop's fast cash product.

Emerging players

• Ferratum (now Latitude Pay): Digital small-loan provider in Australia, originated from the European Ferratum brand. Overlaps with Cash Stop on short-term, app-originated credit for non-prime borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cashstopfs

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cash Stop