How have we made our easy loans so easy?
By using our finance and tech smarts to streamline our online application, assessment and approval process.
- Online. One easy, 100% online application.
- Fast. Conditional approval within minutes.
- Secure. Bank-grade online security.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked easy loans questions
To apply for one of our fast cash loans online, you need to be at least 18 years of age and a permanent Australian resident, with regular paid employment. You must be earning at least $500 per week. If that’s you, you can start your online application for a quick and easy loan now.
Can we provide an easy online loan if you have a less than ideal credit rating? We can’t guarantee approval because we consider a range of factors with every application so we can personalise our rates and minimise the cost of our loans, but we often help people who have a bad credit score.
That’s what we’re all about – helping people get the loans they need to get on with life and improve their credit rating in the process. Find out more about our bad credit loans.
Without a doubt, yes. In fact, while we invest heavily in making the online application, assessment and approval process for our loans as quick and easy as possible, your security and wellbeing are always our number one priority.
In addition to the kind of bank-level online security you’d expect from one of Australia’s largest non-bank lenders, we’ve established a responsible lending commitment – your assurance that we will always act in your best interests.
We’ll never lend you more than you can afford to repay. We’ll always personalise our rates. And we’ll ensure the way we structure our easy online loans minimises your borrowing costs and makes your loan repayments manageable. We’re in this – and here for you – for the long haul.
You can complete an application for a loan online, any time. It’s as easy as 1-2-3:
- Online application. It only takes a few minutes to apply for your online loan. You can then track the progress of your application online, too. Easy.
- Assessment. Use our free and secure bank statement service when you apply online to fast-track your application. If you receive conditional approval, you can accept our preliminary offer via SMS. No printing. No signing. No scanning. No delays.
- Receive your funds. If your online loan application receives formal approval, we’ll transfer the cash straight into your account overnight.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our easy cash loans, we’re here to help. Call our team on 1300 FAIR GO or contact us online via live chat.
Repaying our loans is just as easy as our online application and approval process.
Once your loan application receives formal approval, we’ll discuss the best way to set up your direct debit payments with you, so you can nominate your payday. You’ll receive a reminder before your first debit is due and if, down the track, you’re worried you’ll have trouble making your next repayment, our team is right here in Australia to help.
You can call us on 1300 FAIR GO or contact us online via live chat.
Easy online loans. From application to conditional approval, pronto.
As one of Australia’s largest non-bank lenders, we’re here to help you get the cash you need to get on with life, without fretting over your finances. That means lending responsibly and personalising our rates to minimise your borrowing costs. And it means making it easy and stress-free.
Our online application process is as easy as it is secure. And we mean bank-secure. You can apply for quick and easy cash loans of $500-$10,000 in a matter of minutes, safe in the knowledge your personal details are secure at all times.
Our streamlined assessment and approval process ensures you’ll be kept up to date, with regular emails and SMS’s from the moment you apply. You can use our free and secure bank statement service to fast-track your application and, if you’re conditionally approved, you can accept our offer via SMS. All online. All easy as can be.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Easy loans today, even better rates next time.
Assuming your online loan application is formally approved, you’ll receive your funds within 24-48 hours. And next time you take out one of our easy loans online, our rewards program ensures you’ll enjoy even better rates and an even faster express application. Easy as.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.