How our super-fast loans work

Man with phone applying online

Step 1

Scroll up and fill in the form above. This can take only a few minutes; a few quick details and you’ll be on your way.

Man with phone receiving outcome

Step 2

If you meet our criteria, we’ll let you know right away. If we need extra info, we’ll send you a text and an email. It’ll be painless and paperless.

woman receiving money

Step 3

Our team will make sure a loan is the best option for you and that you’ll be able to reasonably afford your repayments.

woman receiving money

Step 4

Approved? We will send out your funds the same day (if approved during normal business hours)! Latest, it’ll be with you overnight.

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Got everything ready?
Apply for your loan today!

Apply Now

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

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

Email address @

You have an active mobile number and email address.

Need answers fast?

Visit our frequently asked questions page!

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Need answers fast?

Visit our frequently asked questions page!


What will I need to apply?

We'll need:

To apply, just enter your contact details including an active mobile number and email address so we can let you know when we have an outcome for your application.

As part of our assessing policy, we require a reason for your loan. Reasons for a loan include: Car repairs, Unexpected bills, Dental expenses, Travel, decor

To assess your application, our team looks at more than just your credit score. They look at your current relationship with money. As a result, in our application, we’ll ask for your expenses and bank statements just to check on your income and spending habits.

As part of our assessment process and commitment to speed, we ask for your internet banking details, so we can access a read-only copy of your expenses and bank statements. So, there’s no need to submit any paperwork, unless we require any more info. Don’t worry we’ll let you know!

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.