Contact Us

The most effective way to reach Capital Finance is through our online chat or by phone at 1300 014 870 during our office hours, which are 9am to 5.30pm EST, Monday to Friday. Alternatively, you can complete the web contact form above, email us at customercare@Capital Finance.com.au or request a callback via our website for less urgent inquiries.

Our office hours are from 9am to 5.30pm EST, Monday to Friday. You can contact us via phone or online chat during these hours for assistance.

To qualify¹ for a loan with Capital Finance, you must be over 18, a permanent resident or citizen of Australia, and have a regular weekly income of at least $480 (including benefits). Your income must be deposited directly into your bank account. We evaluate every application based on current financial ability and overall financial situation.

So even if you are on Centrelink or have a bad credit history, we'll give you a fair go!

Yes, Capital Finance considers applications from individuals with a bad credit history. We look at your current financial situation and your ability to manage the loan, rather than solely focusing on your credit rating or history.

Also see our bad credit loans and bad credit car loans pages to learn more on how it works.

Yes, we consider Centrelink benefits as part of your income when assessing your loan application. However, we are unable to approve loans if your sole income comes from Newstart Allowance, Youth Allowance, Abstudy, or Austudy.

Learn more about loans on Centrelink*.

Did you know, you could also qualify for a car loan on Centrelink* with Capital Finance?

No, sorry, Capital Finance does not offer Small Amount Credit Contracts (SACCs) or loans under $2,000. We do, however, offer fast cash loans over a longer loan period of 2 to 5 years from $2,000 to $30,000 for various emergency loan purposes.