When you take out a household bills loan, use it to pay whatever bill comes your way. Rates, water, power or simple home repairs, use it to cover whatever you need.
Customers from all around Australia have used our $300 to $10,000 loans for a variety of household bills and all household related expenses.
We’ve combined all of our finance and tech smarts to make our application process as seamless as possible, no matter where you are located throughout Australia.
|Loan Amounts||$300 – $2,000||$2,050 – $5,000|
|Average Term||1 – 12 months||6 – 24 months|
|Typical Establishment Fee||$0 – $400||$394 – $771|
|Monthly Fee||$0 – $80||$9|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%|
|Average Term||8 months||12 months|
|Repayment Per Week||$68||$71|
|Interest Rate Per Annum (APR)||N/A||26.09%|
|Comparison Rate||73.06% 1||52.66% 2|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 15 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
Absolutely. You can take out a loan with us and use it on whatever expenses that pop up. From utility
bills, phone bills, to car repairs and more, use your loan to cover anything you need.
It depends on your unique situation, but we help a lot of people who have a less than ideal credit rating
get the loans they need whilst getting their credit history back on track.
If approved, not only can your loan help pay those bills, but it can also help your credit history because
of our adoption of Comprehensive Credit Reporting.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we’re here to
help you in any way that we can. Everyone deserves a fair go, so if there’s a way for us to help you
secure the loan you need, we’ll find it.
We offer household bill loans from $300 to $10,000, with flexible repayment terms ranging from three months to three years.
Our loans are personalised to you, so your loan amount, interest rate and repayment terms will be tailored to your personal circumstances and financial situation.
All of the loan terms, amounts and fees are listed upfront. You’ll know what your fixed interest rates repayments will be, plus they’re set in stone, so it’s easy to manage your budget. It’s all part of our commitment as a responsible lender.
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 personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
Our household bills loan is designed to help as many customers as possible, and accommodate a range of credit scores. As a responsible lender, we make sure our household bill loans are affordable and suit your unique financial situation.