Loans made clear

Timing varies but loan approvals can be quick, with many applications cleared on the same day. Approval is subject to meeting lending criteria, and affordability test applies.

Once approved and you’ve accepted your offer, we arrange the funds to your nominated account as soon as practicable. Exact timing depends on bank processing and completing any required checks.

People often search for instant loans or same-day loans. We focus on a fast, responsible process and clear communication throughout. Often we can provide same-day approval, and if we have all necessary documentation, payout within 24 hours of application (or less).

Interest rates vary based on factors such as your credit history, income, and the value of the car. A strong credit profile may help you access lower rates.

Current fixed interest rates range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.

Personal loans include an Establishment Fee and Introducer Fee, and may include ongoing account fees or other fees. It’s important to review these details upfront so you know exactly what to expect. You can view more about Lender Fees here, and how we are remunerated here.

Applying won’t impact your credit score at first, as initial checks are considered “soft” inquiries. A full credit check is conducted by the lender once you decide to proceed with the loan.

It depends on your situation – income, expenses, existing commitments etc. Apply online to see what may be possible.

Common uses include urgent repairs, medical or dental costs, bills, travel, passion projects, or smoothing cashflow. In short, all sorts.

Usually ID, recent bank statements and basic income/expense details. We’ll let you know exactly what’s needed in the form.