For small hurdles
and big moments.

It’s simple to qualify for one of our short term personal loans.
To save your own time and energy, make sure you qualify for one of our loans before you apply.

If you are receiving Centrelink payments, check out your options for Centrelink loans first, before applying for a loan with us!

We like to keep things as simple as possible, to make it easy for you.

We specialize in fast short term personal loans repaid over a 12-month term. Refer to our loan calculator to get an estimate of our cash loan costs.

Most of our clients have an outcome on their personal loan application within 1 hour

We understand that when you need money, you need to know as quickly as possible if we can or cannot do the loan.

Therefore, we offer one of the quickest Personal Loan services in the country. Most of our clients have an outcome on their Personal Loan application during normal business hours within 1 hour of submitting the completed loan application.

How do people on Centrelink benefits apply for loans?

Centrelink customers can apply for loans online by completing out easy online application form found here. You just let us know how much you would like to borrow over how long you would like to repay the loan.

What do you need to apply?

To apply you don’t need any paper work. You just need to fill out the application form and meet the basic requirements, which are:

• Must be at least 18 years of age
• An Australian citizen or permanent resident
• Receive regular income over the past 90 days (your Centrelink payments)

Loans for people on Centrelink

When you apply for online loans for Centrelink recipients, you should receive an outcome of your application within an hour. That is if you apply within normal office hours. If you apply outside of office hours it may take slightly longer.

Once you receive approval for your application, we will send you a loan offer with a loan contract. If you are happy with the loan offer, simply send us back the signed contract. After we receive the contract back from you, we will send the loan to you straight away. You should receive the loan within about 24 hours.

What Centrelink payments are accepted?

We accept all Centrelink payments. You need to provide evidence that you receive a regular income so that we know you will able to repay your loan over a period between 12 – 24 months. The evidence is in the form of a CENTRELINK INCOME STATEMENT which you will upload during your application.

How much can you borrow?

With loans for people who receive Centrelink, the amount you can borrow is anywhere between $300 and $10,000. Though it’s important that you only borrow an amount that you can safely afford to repay. Nevertheless, as responsible lenders we will only lend you to you an appropriate amount based on financial assessment of your individual situation.

How much does it cost to borrow?

The amount it costs to borrow loans for people on Centrelink depends on the amount. For instance, for loans between $300 and $2000, it will cost an establishment fee of 20% the total loan amount plus, additional fees of 4% per month.

For amounts between $2001 and $4600, it will cost an establishment fee of $400 plus an Annual percentage rate of 48%.

For amounts between $5,000 and $10,000, it will cost an annual percentage rate of 21.24%.

The fees are added to the loan amount and then divided by the loan term. This is how much you will repay per money.

How does repayment work?

Repayments work by repaying the loan amount plus the fees. It is usually done by setting up a direct debit so that the payments come out of your account automatically. Repayments for your loan can be set up to come out of your account on a weekly, fortnightly or monthly basis, depending on what suits you best. The repayments are made until the total loan amount is repaid.

What if I can’t make my repayments?

If you are unable to make a payment on your loan it’s important not to ignore it. This is because you could get charged, expensive penalty fee of $35 for missing a payment. Instead, let us know at least 24 hours in advance and we can help to arrange an alternative for you.

Why might loans for people on Centrelink be useful?

Loans for people on Centrelink can be useful for a variety of reasons. Though, often they usually come in handy when you need to pay for something unexpected. Here are some examples of when you could use a loan for:

• Pay for multiple bills
• A necessary household item breaks down, such as a washing machine or fridge
• You need to pay for an urgent medical or dental bill
• Your car needs a repair so that you can drive it again
• Pay for school fees or child care fees that are due urgently

Less stress & more breathing space with lower repayments

Unlike a Payday Loan or Cash Advance that other lenders offer, our Personal Loan repayment period is suitably long to give you some breathing space while repaying.

This means your repayments will be lower, and in most cases less financially straining than the Payday or Cash Advance loan you may have used in the past.

We are also able to assess your situation based on a higher loan application amount, as the repayments are spread out over a longer time frame.