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 Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Min weekly repayment

$72.48

Comparison rate from p.a.

44.2%

Total repayment

$3,766

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

Apply Online

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.