Flexible repayment options
because circumstances matter
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We’ve perfected lending. Easy online application in minutes without stress. Straightforward and transparent.
Same day decision with fantastically fast funding. We’ll transfer it the same day subject to your bank.
Enjoy now, pay later
Drinks on you. We'll transfer it within the day*, so you can breathe easy. Enjoy your teeny tiny loan today.
* Transfer times can be variable due to bank processing and during peak periods
Smart and savvy,
customising your loan to suit you.
If you borrow between $300 - $2,000 you’ll pay:
- Establishment fee: 20% of the principal amount
- Monthly loan fee:  4% of the principal a month
Loan Amount - $300 to $2000
Term - Up to 5 months
Cost - 20% upfront establishment fee + 4% monthly fee
Loan Amount of $1,000 over 5 months repayable weekly (20 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $200 (fees based on 4% per month over 20 weeks) = $1,400 total repayable in 20 weekly instalments of $70.00.
Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR %) . The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Warning about Borrowing
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 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:
The 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.