It is our mission to provide the highest level of customer service, in the most effective manner accomplishing our goals.

We provide quick, efficient, transparent, and smart loans with the utmost confidentiality, integrity, attentiveness, and convenience.

We show all our charges upfront. Our total true cost is clearly 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.

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

Establishment fee $20~$150
Loan restructure fee $40
Overpayment refund fee $20
Direct Debit fee $5 per transaction
Instant cleared payment fee (15-30mins) $8
Payment default fee $ 3.5 per day
Early repayment administration fee $20
General administration fee $20
Letter sending out charge $10
Wage deduction assignment $30
Direct debit cancellation fee $40
Collection agency fee (default account referral to a collection agency) 20% of the outstanding loan balance
* As of 01-May-2020; the total interest(s) and fee(s) charged on our high-cost loans are capped at 100% of the amount of the loan advance.
For example, the maximum recoverable for a non-related loan of $300 must not exceed $600.

Our interests are varied depending on the amount of the loan from 0.46% per day to 1.2% per day. (167.9% per annum to 438% per annum) These annualised interest rates seem to be high but our SeedCash loan is only for short term (maximum for up to 28 weeks). For example, if you borrow $700 for 14 days, our total charges including fee and interests are $148.35. Total repayment will be $848.35. You can enjoy the convenient service for your urgent cash needs within this affordable range.

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 required to pay only an additional fee (creditor’s early repayment administration fee) of $20.00 with no further 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.