Get easy access to ongoing finance with our flexible line of credit with interest rates as low as 14.90%

If you’re 18 years old, a permanent Australian resident and in regular paid employment, you can apply online for a line of credit facility right now. The limits range from $200 up to $5,000. The best part is that you can keep repaying and reusing the limit, with no need to reapply.

Once you receive approval, you can access your line of credit for:

• Unexpected bills and expenses
• Small and larger purchases
• Ad-hoc or emergency costs
• Deposits or bonds
• Travel or spending money
• Any other personal need you may have

And because our line of credit offers you access to an ongoing limit, you can access it anytime you want through our customer portal. You can be confident knowing you can get quick financial assistance anytime.

Our line of credit interest rates start at an incredibly competitive 14.90% p.a. and go up to 34.90% p.a..

Our personalised rates mean good credit customers are rewarded, while those with lower credit scores can get access to fair-priced loans while they repair their credit profile.

1. A one-time establishment fee when the line of credit is first set up. This ranges from 3% to 8% of the approved line of credit limit.
2. A monthly fee – only applicable when the limit is being used. This is between $5 to $15 per month, depending on your credit score.

Mates Rates is our loyalty program which offers you great rewards on all future loans, as a thank you for coming back to us. Find out more on our existing customers page.

Absolutely. Applying for a line of credit limit with us is completely online and very fast.

Our 100% online process uses illion Open Data Solutions to securely access your recent bank statements in seconds. Our tech smarts then use this securely provided information along with the details on your application form to ensure you experience the fastest loan processing time possible.