Cash Now Australia & NZ offers "traditional" payday loans or cash advances, meaning it services "walk in traffic" and is typically operated out of a small office (30 to 50 sqm) or a small retail storefront where you have the option of meeting your clientele "face to face". Of course, you may still deploy all the technologies and marketing tactics used by Cash Now Express, however these are only done in your geographically defined territory. A Cash Now franchisee may also add an optional Cash Now Cambio to their franchise operation. The same software and procedures are used as in the Cash Now Express franchise. However, you will require a Credit Providers license in Victoria only, which we assist you to obtain. In Australia the operating procedures are subject to the Australian Consumer Credit Code regarding the amount of service fees that can be charged by the franchisee.