Smart and savvy customers from across Australia come to us for online loans to cover or spread the costs of all sorts of purchases, investments and unexpected bills.

From car loans to medical loans to loans for school fees. From wedding loans to debt consolidation loans to online loans for cosmetic surgery. Whatever the reason for your loan, we’ll ensure you get a fair go, even if you have a less than ideal credit history and need a bad credit loan.

Find out more about our small fixed fee loans ($500-$2,000), our medium personal loans ($2,000-$5,000) and our large personal loans ($5,000-$10,000).

We’ve used all our team’s finance and tech know-how to make online lending and loans as quick and easy as possible. It’s 100% online, with a smart, secure online process that avoids unnecessary paperwork and delays. It’s as easy as 1-2-3:

1. Apply online. It only takes a few minutes to apply for your online loan and you can track the progress of your application online using our handy customer portal.
2. Accept your offer. If your application receives conditional approval, you can accept our preliminary offer via SMS. Then your dedicated consultant will verify your details over the phone. No printing, signing and scanning required.
3. Receive your funds. If your loan application is formally approved, we’ll transfer the cash straight into your account overnight.

If you’re at least 18 years of age, a permanent Australian resident and you’re in regular paid employment, then you can apply for smart loans online, at any time. All you need is a desktop, laptop, tablet or smart phone and an internet connection. The application process is 100% online.

As one of Australia’s largest non-bank lenders, we take our online lending responsibilities seriously. We’ll always act and advise in your best interests, personalising our rates and loans to minimise your borrowing costs – that’s what our responsible lending commitment is all about.

Start your online application and find out how quick and easy our loan process is, so you can get on with life.

Our smart online loan application process means you can apply for loans ranging from $500 to $10,000 online. It’s quick, easy and secure – and we mean bank-secure – saving you time and stress, with a paper-less application that makes printing, scanning and signing a thing of the past.

Depending on how much you’re able to borrow, you can repay your loan over the course of anything from three months to three years. We aim to give you as much flexibility as possible, as well as highly personalised and competitive rates, so you can minimise your borrowing costs, without putting yourself or your budget under unnecessary pressure.

Learn more about our small fixed fee loans, our medium personal loans and our large personal loans. Call our team on 1300 FAIR GO or contact us via live chat for more information about our online lending requirements.

Taking out a big personal loan doesn’t have to be a big hassle. See for yourself. Apply for your large personal loan online.

And crucially, there are no early payout fees, so you can pay off your short term loan sooner if you like, once again minimising the cost of your loan.

All of our small, medium and large online loans have fixed rates, so your repayments will never change. This makes it easier to plan and manage your budget, ensuring you don’t put yourself under needless financial stress.

That’s what it’s all about for us. As Australia’s largest non-bank online lending company, we work hard and smart to ensure you get a fair go. We’ll never lend you more than you can afford to repay and we’ll do everything we can to minimise your borrowing costs, so you can get on with life, without risking your long-term financial wellbeing.

We’ve become one of Australia’s largest non-bank online lending companies by thinking innovatively and making the online loan application process fast, easy and secure for our customers across the country. But it goes beyond our proprietary online application.

If your application is conditionally accepted, which usually happens the same day you submit your application, you can agree to our conditional offer via SMS. No printing, signing and scanning.

And as part of our online application process, you will have access to our free and secure bank statement service. Provided by illion Open Data Solutions, the service means we can securely access your recent bank statements (necessary to progress your application) online, keeping your application moving and your personal details safe at all times.

We even make repaying your loan simple, with direct debits arranged for your nominated payday. We’ll send you a reminder when your first debit’s due. And remember, if you think you’ll struggle to make your next repayment, we’re just a call, email, live chat or Facebook message away.