We provide up-front disclosure of our costs of borrowing with no hidden costs, small print or surprises. Our approximate cost of borrowing is displayed upfront in our online calculator, so you know how much you are going to pay before starting the application process. Try our online calculator tool and see how easy and convenient to apply for a SeedCash loan.

We ensure that our customers fully understand the fees and charges associated with their loan contract. If are you are not sure about any fee or interest, just contact our friendly customer service team or check our FAQs.

Using our loan calculator figures, you can clearly work out whether you can afford to use SeedCash loan with different payment options. Try us now!

Our Fee’s Guide

Small Cash Loan

Between $1,000 - $3,000

Establishment fee:
$ 175
Interest Rate:
49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Direct debit transaction fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

Medium Cash Loan

Between $3,100 - $5,000

Establishment fee:
$ 240
Interest Rate:
49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Direct debit transaction fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

Large Cash Loan

Between $5,100 - $20,000

Establishment fee:
$ 350
Interest Rate:
49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Direct debit transaction fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

SeedCash does not charge any penalty for full prepayment. If you pay the unpaid balance in full before the final payment is due (full prepayment), you will be not required to pay any additional fee, prepayment penalty or premium.

You can see our Terms and conditions and Privacy Policy for a complete overview of our charges.

If you are getting behind…

If you think your scheduled payments cannot be made on time, first thing you need to do is talk to us. We do understand that sometimes, things come up unexpectedly or you may be experiencing temporary financial difficulties or personal hardships which are preventing you to keep up with your payment commitments.  We will listen to your situation and will offer you to repay your loan account via easy and affordable scheduled payments. To enter into this revised repayment arrangement, you would need to provide an update of your current contact details along with your financial state of position. This revised payment arrangement will be  subjected to be reviewed every three (3) months.