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Personal Loan options

  Small Loan Medium Loan
Loan Amount $400 - $2,000 $2,050 - $5,000*
Loan Term 2 - 12 months 4 - 24 months
How do I apply? Apply online or in-store Apply online or in-store
Method of Payment Funds transferred to your bank within 24-48 hours of approval Funds transferred to your bank within 24-48 hours of approval
Fees 20% establishment fee and 4% flat monthly fee $400 establishment fee* and 48% per annum
  Apply Now Apply Now
 

  Cash Advance Pay Advance
Loan Amount $50 - $2,000 Up to $100
Loan Term 2 - 12 months Pay it back on your next pay day
How do I apply? Apply in-store Via the MyLoans App
Method of Payment On the spot cash in-store We transfer the cash straight away after approval*
Fees 20% establishment fee and 4% flat monthly fee 5% fixed fee.
  Apply Now Apply via MyLoans
 

*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.

None of these options right for you? We also have our PayAdvance 

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Loan amount

With PayAdvance, you can borrow up to 25% of your income or up to $100.

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Loan Term

You can pay back your PayAdvance when your next pay comes in.

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Apply with no credit checks

Apply easily through our My Loans app. With PayAdvance there are no credit checks.

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Funds disbursement

We transfer the cash straight away after approval* and then you repay it on your next pay day.

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One low fee

There are no hidden fees or interest charges. Just a 5% fixed fee.

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Increased borrowing capacity

Your PayAdvance limit may increase if you establish a reliable repayment history.