Our personal loans start from $50 to $5,000* and can be used on a variety of things like vet bills, car repairs or that unexpected dental bill. Whatever your need might be, our friendly personal finance team will help give you the information you need so you can make a decision on what is right for you.
We approved over 264,000 cash loans for our Australian customers in 2023 alone.
We review every application, no matter your credit history, whether you think it’s good or bad. As a responsible lender, we take a close look at the information and documents you provide to ensure your cash loan is suitable and meets your specific needs and situation to help you get on with your life.
Explore all our online and in-store personal loan options, including a cash advance, small personal loan or medium personal loan.
If you're ready to start, let's get going with your online application.
Apply in-store or online for
between $2,050 and $5,000*
over a 4 to 24 month term.
Apply in-store** for up to $2,000 cash in your pocket. A simple application process and manageable repayments over 4 to 20 weeks. |
| Medium Loan | Small Loan | Cash Advance** | Line of Credit | |
|---|---|---|---|---|
| Loan Amount | $2,050 - $5,000* | $400 - $2,000 | $50 - $2,000 | $400 - $10,000 |
| Loan Term | 4 - 24 months | 2 - 12 months | 4 - 20 weeks | 18 months for up to $2,000 and 36 months for $2,001 or over |
| How do I apply? | Apply online or in-store | Apply online or in-store | Apply in-store only | Apply via My Loans or in-store |
| Method of Payment | Funds transferred to your bank within minutes once loan offer accepted | Funds transferred to your bank within minutes once loan offer accepted | Cash on the spot in-store | Funds transferred to your bank within minutes once loan offer accepted |
| Fees | $400 establishment fee* and 48% per annum | 20% establishment fee and 4% flat monthly fee | 20% establishment fee and 4% flat monthly fee | No establishment fee and 48% per annum |
| Apply Now | Apply Now | Find a store | More info | |
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan.
**Only available at participating stores.
Please see our Target Market Determination for more details.
| Medium Loan | Small Loan | |||
|---|---|---|---|---|
| Loan Amount | $2,050 - $5,000* | $400 - $2,000 | ||
| Loan Term | 4 - 24 months | 2 - 12 months | ||
| How do I apply? | Apply online or in-store | Apply online or in-store | ||
| Method of Payment | Funds transferred to your bank within minutes once loan offer accepted | Funds transferred to your bank within minutes once loan offer accepted | ||
| Fees | $400 establishment fee* and 48% per annum | 20% establishment fee and 4% flat monthly fee | ||
| Apply Now | Apply Now | |||
| Cash Advance** | Line of Credit | |||
|---|---|---|---|---|
| Loan Amount | $50 - $2,000 | $400 - $10,000 | ||
| Loan Term | 4 - 20 weeks | 18 months for up to $2,000 and 36 months for $2,001 or over | ||
| How do I apply? | Apply in-store only | Apply via My Loans or in-store | ||
| Method of Payment | Cash on the spot in-store | Funds transferred to your bank within minutes once loan offer accepted | ||
| Fees | 20% establishment fee and 4% flat monthly fee | No establishment fee and 48% per annum | ||
| Find a store | More info | |||
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan.
**Only available at participating stores.
Please see our Target Market Determination for more details.
Yes, you can apply for a personal loan online. The application is easy and can be completed in just 10 minutes. Alternatively, you can also apply in-store.
You can borrow online anywhere between $400 and $5,000*. Our Small Loans range from $400 - $2,000 and can be paid back in 2 to 12 months. Our Medium Loans cover any amount between $2,050 up to $5,000* paid back over a maximum term of 24.
You can also borrow $50 to $2,000 with a Cash Advance, provided you apply in-store. Our Cash Advance can be paid off between 4 to 20 weeks.
A SACC is a ‘Small Amount Credit Contract’, a government regulated product under the National Consumer Credit Protection Act (2009) and is defined as being a loan of no more than $2,000, set up to be repaid over a term of not less than 16 days and not more than a year. Our Small Loans and Cash Advance products fall under this category.
A MACC is a ‘Medium Amount Credit Contract’ a government regulated product under the National Consumer Credit Protection Act (2009) and is defined as a loan, which may vary in length from 16 days to 2 years and can be from $2,001 to $5,000. Our Medium Loans fall under this category.
If you’re an existing Personal Finance customer you can apply to access up to $10,000 and request a redraw from an approved credit limit. |
Keep track of your loan, make payments, apply for a new loan and more, 24/7 with My Loans. |
We pay cash on the spot for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more. |
Give us a call on 13 CASH (132 274).
Mon to Fri: 9:00am to 7:00pm AEST
Complete our online form and we'll get back to you shortly. Or, get in touch with your local store
Send us an email and we'll get back to you as soon as we can
We’re responsible lenders and we want to make sure our customers are at the heart of everything we do to help find the right cash solution to make life possible.
We'll take a close look at the information and documents you provide us - including details of why you need the cash loan and how much you need to borrow, plus things like 90 days of bank statements, any existing credit card debt, and a careful assessment of your living expenses.
We do all this to ensure your cash loan is suitable, and meets your specific needs and situation to help you get on with your life.
If you have any questions about your application and how we assess, talk to one of our personal finance team members
Our Cash Advance Loans incur a 20% establishment fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $100 over 4 weeks has fees and charges totalling $24 (1 x $20 + 1 x $4), resulting in a total repayment of $124. Cash Advance Loans are only available in-store with a minimum loan term of 4 weeks. The minimum term is 4 weeks and a maximum of 20 weeks.
Our Small Personal Loans incur a 20% establishment fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40), resulting in a total repayment of $1,560. The minimum loan term is 2 months and a maximum of 12 months.
Our Medium Personal Loans incur a $400 establishment fee and interest at 48% per annum. For example, a medium loan of $3,000 repaid by monthly payments over 1 year would equate to a total amount payable of $4,348 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.
Our Line of Credit product does not incur an establishment fee and interest is at 48% per annum. For example, a line of credit of $4,000 repaid by monthly payments over 3 years would equate to a total amount payable of $7,616. The maximum repayment term for a credit limit of up to $2,000 is 18 months; and the maximum repayment term for a credit limit over $2,000 is 36 months. This example has been calculated on a specified credit limit with the assumption that the debtor has drawn down the maximum amount of credit as agreed to under a contract.
Our loans are repayable in weekly, fortnightly or monthly instalments. Loans can be settled early with no penalty and fees will only be charged whilst there is an outstanding balance on the loan, hence early settlement will reduce the amount payable on the loan. Loans are subject to assessment criteria and suitability. An APR (Annual Percentage Rate) does not apply to our Cash Advance Loans or Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02% and the maximum APR on our Line of Credit is 48%. These calculations do not account for potential additional fees and charges, such as default charges, which may be incurred.
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