Personal loans to make getting on with life possible
Our personal loans start from $50 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 personal finance team will help give you the information you need so you can make a decision on what is right for you.
We approved over 300,000 cash loans for our Australian customers in 2020 alone.
We review every application, no matter your credit history, whether you think it’s good or bad. As a responsible lender, we take a close look at the information and documents you provide to ensure your cash loan is suitable and meets your specific needs and situation to help you get on with your life.
Explore all our online and in-store personal loan options, including a cash advance, small personal loan or medium personal loan.
If you're ready to start, let's get going with your online application.
Apply for a cash loan online or in-store
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.
Cash Advance
Apply in-store for up to $2,000 cash in your pocket. A simple application process and manageable repayments over 4 to 12 weeks.
Personal Loan options
| Small Loan | Medium Loan | Cash Advance | |
|---|---|---|---|
| Loan Amount | $400 to $2,000 | $2,050 - $5,000* | $50 - $2,000 |
| Loan Term | 2 - 12 months | 4 - 24 months | 4 - 12 weeks |
| How do I apply? | Apply online or in-store | Apply online or in-store | Apply in-store only |
| Method of Payment | Funds transferred to your bank within 24 hours of approval | Funds transferred to your bank within 24 hours of approval | Cash on the spot in-store |
| Fees | 20% establishment fee and 4% flat monthly fee | $400 establishment fee* and 48% per annum | 20% establishment fee and 4% flat monthly fee |
| Apply Now | Apply Now | Find a store | |
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan
Please see our Target Market Determination for more details.
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Can I apply for a cash loan online?
Yes, you can apply for a personal loan online. The application is easy and can be completed in just 10 minutes. Alternatively, you can also apply in-store.
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How much can I borrow with an online personal loan?
You can borrow online anywhere between $400 and $5,000*. Our Small Loans range from $400 - $2,000 and can be paid back in 2 to 12 months. Our Medium Loans cover any amount between $2,050 up to $5,000* paid back over a maximum term of 24.
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How much can I borrow with a Cash Advance?
You can also borrow $50 to $2,000 with a Cash Advance, provided you apply in-store. Our Cash Advance can be paid off between 4 to 12 weeks.
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What is the difference between a Small Loan and a SACC?
A SACC is a ‘Small Amount Credit Contract’, a government regulated product under the National Consumer Credit Protection Act (2009) and is defined as being a loan of no more than $2,000, set up to be repaid over a term of not less than 16 days and not more than a year. Our Small Loans and Cash Advance products fall under this category.
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What is the difference between a Medium Loan and a MACC?
A MACC is a ‘Medium Amount Credit Contract’ a government regulated product under the National Consumer Credit Protection Act (2009) and is defined as a loan, which may vary in length from 16 days to 2 years and can be from $2,001 to $5,000. Our Medium Loans fall under this category.
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 and situation to help you get on with your life.
If you have any questions about your application and how we assess, talk to one of our personal finance team members
Fee Disclosures
Our Cash Advance Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $100 over 4 weeks has fees and charges totalling $24 (1 x $20 + 1 x $4), resulting in a total repayment of $124. Cash Advance Loans are only available in-store with a minimum loan term of 4 weeks. The maximum term is generally 6 weeks, however is flexible at the discretion of the store.
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 48% per annum. For example, a medium loan of $3,000 borrowed over 1 year would equate to a total amount payable on average of $4,258 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.
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. An APR (Annual Percentage Rate) does not apply to our Cash Advance Loans or Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02%.
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