Payment Terms and Conditions


By using any of the available payment service providers, I acknowledge and accept the following general terms and conditions:

  • I understand that I will be providing my information to a third-party service provider.
    I will be required to read and agree to their User Terms & Conditions and related documents before use.
  • I will only use cards or accounts that are in my own name to make payments.
  • I understand that, when I am making a card payment, I will only be using a debit card, as credit card and charge card payments will be blocked for loan repayments.
  • I will not be on-charged service fees by the lender for the use of these services.
  • I understand that I am using these services at my own risk.


By using any of the available payment service providers, I acknowledge and accept the following terms and conditions relating to refunds:

  • Refunds on credit accounts could be viewed as “redraws”, which there are legal restrictions on. As such the lender, which is not a retail business, will not generally make refunds available should I change my mind about making a payment or not be approved for a new loan.
  • I will be refunded by the lender where an account has been overpaid and has exceeded the legally chargeable amount.
  • I may request a refund where payment was made without my consent, knowing this may require investigation by the lender before a refund is processed.
  • Refunds will be excepted where a payment was made in error.
  • Refunds may only occur once payments on the account have cleared, which in some cases can take up to 3 business days.
  • The lender may grant refunds in other circumstances at their discretion.


I declare that I have read, understood, acknowledge and accept to all the terms and conditions set out in this document.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"good service and helpful people"

- Michelle Macalpine


Types of loans