Want a medium loan with low interest?
Medium personal loans up to $5,000. Low fees. Low interest. Highly personalised.
- Choice. $2,000-$5,000 over 3-12 months.
- Ease. Apply securely online in minutes.
- Rewards. Loyalty discounts and benefits.
All prices shown are indicative and are for new customers. For returning customers, you will be eligible for our Mates Rates Loyalty Reward benefits, which includes a 10% discount on your establishment fee. All personal loan applications are subject to approval and will be assessed separately by reference to the applicant’s individual circumstances.
All prices are indicative. Fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
All prices are indicative. Fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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 medium loan questions
A medium cash loan is a personal loan of between $2,000 and $5,000 – bigger than our fixed-fee small loans, but smaller than our $5,000 to $10,000 large personal loans.
Our medium loans can be secured or unsecured and used for pretty much anything. For instance, you might take out a $3,000 medium personal loan to secure a deal on a holiday. Or to spread the cost of school or education fees. Or to cover an emergency expense.
What’s more, because we personalise the way we structure our loans to uphold our responsible lending commitment and keep our low interest rates as competitive as possible, we can arrange a loan even if you have a less than ideal credit history. Read more about our bad credit cash loans.
Whatever you want. We’re here to help you get the money you need to get on with life – quickly, easily and responsibly. Our customers across Australia come back to us time and again for low interest medium loans to cover or spread the cost of all sorts of things, such as:
- A deposit for a holiday or holiday expenses
- Moving expenses or the bond for your new home
- Clothes or school uniforms
- Dental or medical expenses
- Consolidating your debts into one easy low interest loan
Whether you need a $3,000 loan to make some home repairs or improvements, or a $5,000 personal loan to spread the cost of a once-in-a-lifetime holiday, we’re here to structure your loan to suit you. Low interest. Highly personalised. All online. No unnecessary delays.
As one of Australia’s largest non-bank lenders, we aren’t simply here to lend you $2,000, $3,000 or $5,000 today. We’re here to look after your long-term best interests and make sure you get a fair go. That’s why all of our personal loans are personalised. It means you can rest assured that you’ll:
- Be able to manage the repayments and maintain or improve your credit score
- Benefit from low interest rates that minimise your borrowing costs
- Have a repayment schedule that works for you (3-12 months)
- Be able to pay off your loan early, without penalty – no early repayment fees
- Never be caught out by hidden costs or fees
- Enjoy even better rates and fee discounts as a loyal customer.
It’s all part of our responsible lending commitment to do the right thing, providing low interest personal loans that help you move forward with confidence.
Our medium loans range from $2,000 to $5,000, but it’s worth remembering we also offer fixed-fee small loans, as well as low interest large loans from $5,000 to $10,000.
No matter how much you want to borrow, you can apply online in minutes. Alternatively, call us on1300 FAIR GO or contact us via live chat – our friendly team is right here in Australia, ready to answer your questions and ensure you get a fair deal on your personal loan.
To apply for a personal loan online, you’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment.
Worried about your credit history? Don’t fret, we may still be able to help you, whether you have been bankrupt, had a Part IX debt agreement or simply have a less an ideal credit score. Find out more about our bad credit loans.
You can apply for medium personal loans online in minutes. Our smart, secure application system ensures your application is processed fast. You’ll get a conditional decision from our friendly team the same day, which you can accept via SMS. No printing, signing and scanning. No delays.
And with the help of our free and secure bank statement service you can provide your supporting documentation in double quick time. Assuming you’re approved, you’ll receive your funds direct into your account the next day.
Everything about our medium personal loans is personalised to suit you, minimise your borrowing costs and take the stress out of repaying your loan. That’s why we offer flexible repayment options – you can pay off your $2,000 to $5,000 loan over the course of 3-12 months.
There’s nothing average about our medium personal loans.
While our $2,000 to $5,000 medium loans sit in the middle of our loan range, there’s nothing ‘middle of the road’ about them. And there’s nothing average about the way we’ll work with you to try and help you get the cash you need, but also looking after your long-term financial wellbeing.
As one of Australia’s largest and most respected non-bank lenders, we have a responsible lending commitment that means we always do the right thing.
It means we personalise every aspect of our medium loans to ensure your low interest loan is as low as it can be, with a manageable repayment schedule that suits you. It means we reward loyal customers with even lower low rates and fee discounts. And it means using technology to take the hassle out of securing the personal loans you need to get on with life.
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%.
Apply for your low interest personal loan.
Our secure online application system is quick and easy – you can apply for your $2,000 to $5,000 loan in minutes. Or, if you have a question, call our friendly team here in Australia on 1300 FAIR GO or contact us via live chat.
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.