Whether online or in-store, we assess each application in person so a human, not a computer, assesses your cash advance or personal loan application. So, depending on affordability, you may still be able to get a loan, even if you have less than perfect credit history.
For more information view our Frequently Asked Questions.
Our Small Personal Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. Our Medium Personal Loans incur a $400 establishment fee and interest at an Annual Cost Rate of 48%. For example, a small loan of $1000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40), resulting in a total repayment of $1560. The maximum annual percentage rates on our loans is 217.95%. The minimum loan term is 2 months and a maximum of 12 months for small amount loans and 24 months for medium amount loans. Our loans are repayable in weekly, fortnightly or monthly instalments. Loans can be settled early with no penalty and fees will only be charged whilst there is an outstanding balance on the loan, hence early settlement will reduce the amount payable on the loan.