What makes our small loans cheap? Our tiered fees

Australia’s fairest online small loans, putting so-called ‘low interest personal loans’ to shame.

  • Low cost. Fixed tiered fees. Lower costs.
  • Easy. Apply securely online in minutes.
  • Transparent. No early payout fees or nasty surprises.

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 Small Loan questions

Apply Online

Check out the fairest small personal loans in Australia.

In a small loan market swamped with lenders promising ‘cheap small loans’ and ‘low interest loans’ we prefer to let our tiered fees and satisfied customers across Australia do the talking.

When you apply online for one of our small personal loans, you can relax knowing you’ve got a fair deal. As one of the largest non-bank lenders in Australia, our responsible lending commitment means we always do the right thing by you. We’ll never lend you more than you can afford and, thanks to our tiered small loan fees, we’ll always try to minimise the cost of your loan.

That’s because we’re here for you long term, not just to meet your short-term loan requirements, which is why we also provide even better rates and discounts to our loyal customers.

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

*Repayments per week depend on affordability

Apply online for your small loan.

Discover why customers across Australia rely on our friendly team to provide the right quick cash loan.

Just as we’re invested in your long-term financial wellbeing, we also invest in the best technology and tools. And so, you’ll find applying online for your small loan is as quick and easy as it is secure.

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.