Personal loans to make getting on with life possible
Our personal loans start from $100 to $5,000* and can be used on a variety of things like vet bills, car repairs or that unexpected dental bill. Whatever your need might be, our friendly team will help give you the information so you can make a decision on what is right for you.
Finding the right solution for our customers is very important to us. We assess every application based on your personal circumstances.
Our Personal Loan Options
Cash Advance
Apply in-store for up to $2,000 cash in your pocket. A simple application process and manageable repayments over 4 to 6 weeks.
Small Loan
Apply in-store or online for up to
$2,000 over a 2 to 12 month
term.
Medium Loan
Apply in-store or online for between
$2,050 and $5,000* over a 4
to 24 month term.
Other ways we can help
Pawnbroking
Simply bring an item of value to leave
with us as collateral for a secured, short-term loan.
My Loans
Keep track of your loan, make payments,
apply for a new loan and more, 24/7 with My Loans.
Find out more
Sell to us
We pay instant cash for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more.
Responsible Lending
We’re responsible lenders and we want to make sure our customers are at the heart of everything we do to help find the right cash solution to make life possible.
We'll take a close look at the information and documents you provide us - including details of why you need the cash loan and how much you need to borrow, plus things like 90 days of bank statements, any existing credit card debt, and a careful assessment of your living expenses.
We do all this to ensure your cash loan is suitable, and meets your specific needs to help you get on with your life.
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed on $5,000 loans.
Fee Disclosures
Our Small Personal Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40), resulting in a total repayment of $1,560. The minimum loan term is 2 months and a maximum of 12 months.
Our Medium Personal Loans incur a $400 establishment fee and interest at an Annual Cost Rate of 48%. For example, a medium loan of $3,000 borrowed over 1 year would equate to a total amount payable of $4,303 (including a $400 establishment fee). The maximum loan term is 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. Loans are subject to assessment criteria and suitability. The maximum annual percentage rates on our loans is 217.95%.
