How much would you like?
How would you like to pay it back?
Please select a 6 week or 12 month loan.
It only takes 5 minutes to apply for one of our loans and if you’re a returning customer, it’s even more straightforward.
We take the wait out of borrowing with fast online approvals and cash transferred straight into your bank account.
All of our fast and flexible loans come with convenient repayment terms, so you can choose the loan that’s right for you.
You apply online
It’s easy to apply for a cash loan online. You can use your computer, smartphone or tablet. It only takes 5 mins.
We check & confirm
We do a quick check on the information you have submitted to make sure we’re lending you the right amount and it meets your needs.
You are approved!
Success! Sign your electronic Loan Contract, and we’ll transfer the money to your bank account.
Am I Eligible?
If you are over 18 and residing in Australia you are eligible to apply for a cash loan.
That’s because 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.
Confused about all the different types of short-term loans?
We'll explain each loan type in the easiest terms possible.
Q. Do I have to be an Australian resident?
A. Non-resident Australians can apply for a Cash Advance loan. However for a Personal Loan, you need to be an Australian resident.
Q. What if the majority of my income is from Centrelink?
A. We can help but there are some rules we have to follow. Your debt repayments can’t be more than 20% of your Centrelink income. For example, if you receive $700 per fortnight from Centrelink, your collective repayments on all short-term cash loans cannot exceed 20% of that amount, i.e. $140 per fortnight. That includes your loans with other lenders.
Q. Can I apply if I am in a Part 9 Debt Agreement?
A. If you are currently in a part 9 debt agreement we are unable to process your loan application. However, if you have previously been in a part 9 debt agreement which has been successfully discharged, we will assess your application on your current situation.
Q. Do I get instant approval for a Personal Loan?
A. Though we don’t offer instant approval, we’ll only need to see your documentation once your application is accepted. The sooner we have all the documentation we need to determine if a loan is suitable, the quicker you will have a result. Depending on who you bank with, we should have the loan funds in your account within 24 hours of receiving a complete application.
Q. What if I have bad credit?
A. We are more lenient than the banks with our credit ratings, but we too have standards to adhere to. As long as your current financial situation is good we will consider your application.
Q. How long before I get the money?
A. It depends on who you bank with. Assuming we have all the supporting documentation we need to assess your loan suitability, we will have the funds in your bank account within 24 hours for Personal Loans. Cash Advance applications are generally processed the same day the application is submitted, with express deposit of the funds into your bank account.
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Do you really need a loan today? *
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options before you borrow:
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.