Cash Bridge is a Melbourne-based lender that offers small loans up to $2,000, in addition to other business and leisure finance solutions.
How do Cash Bridge's small loans work?
Cash Bridge offers small loans ranging from $300 to $2,000, with repayment terms between 30 days and six months.
Applications are made online by completing a short form, which is then assessed based on Cash Bridge’s criteria to determine whether a loan can be offered.
While the lender doesn’t clearly outline its eligibility requirements on its website, you can expect to be asked for personal details, ID and information about your income and repayment history to help inform the decision.
Once the loan is approved and the contract is signed, funds can be received as soon as the same day, subject to bank processing times.
In addition to small loans, Cash Bridge also offers business loans from $10,000 to $100,000 and secured motorbike loans up to $15,000. These products operate separately from small loans and from each other, with different eligibility criteria, repayment terms and fee structures.
Note that Savvy also offers motorbike loans and business finance options through its extensive panel of lenders, and you may be able to qualify for larger amounts and better rates through us. As of December 2025, our motorbike loan rates start from 6.45% p.a., which is more than 0.5% p.a. less than Cash Bridge.
What does a loan through Cash Bridge cost?
Cash Bridge’s small loans are Small Amount Credit Contracts (SACCs), meaning the fees that can be charged are limited by government regulations.
For all loans of $2,000 or less, the following caps apply:
- Establishment fee: 20% of your loan amount
- Monthly fee: 4% of your loan amount
For example, a $1,500 small loan repaid monthly over 12 weeks, you would be subject to a $300 establishment fee and a $60 monthly fee, resulting in a total loan cost of $1,980.
Cash Bridge may also charge 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.
Is Cash Bridge legitimate?
Cash Bridge holds an Australian Credit Licence, which means it is legally authorised to offer loans and credit across Australia.
However, it’s always a good idea to check customer reviews before applying to get a better sense of a lender’s service and reputation before applying. A quick glance at Cash Bridge’s Google reviews as of December 2025 has them listed as 3.5 stars overall from 70 reviews.
If you decide to proceed, be sure to carefully read and understand the terms and conditions of the loan agreement before signing, so you’re clear on the costs and obligations involved.
Are there other loans like Cash Bridge?
Many lenders specialise in small cash loans ranging from $2,000 or less. Instead of searching the market on your own, you can apply through Savvy to be quickly connected with one of our lending partners, making the process faster and simpler.
You might also consider alternatives, such as:
- Pay advance loans: these services allow you to access a portion of your upcoming paycheque early. The borrowed amount is then automatically deducted once your salary is paid.
- No Interest Loans (NILs): NILs are offered through Good Shepherd and its partners, providing loans up to $5,000 for essential costs like car repairs, medical expenses, rental bonds and purchasing a car. These loans don’t charge interest or fees, but funds must be used for specific needs.
- Centrelink advances: if you’re on Centrelink, you might qualify to receive some of your future payments upfront as a lump sum. Eligibility and amounts vary, so it’s important to check what you can access.