Need a bit of breathing room? Apply for a cash loan from $2001 to $5000.

  • Apply online in minutes, any time of day
  • Australian-based team you can actually call
  • Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

Estimate your repayments

$2001
6 months
Est. repayment
$209.10 /fortnight
Total to repay
$2,718.29

How much will I pay back?

You will get a full payment schedule with the total amount of your repayments as well as a description of all other fees before receiving your loan. However here is a simple example When you borrow an amount of $2,500 over 1 years, you will pay: $ 3666.70. Statutory fee: $400. Annual Cost Rate: 47%. Comparison rate: 69.54% pa*

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Need a bit of breathing room? Apply for a cash loan from $2001 to $5000.

A straightforward online application, a quick decision, and — if you're approved — money sent to your account fast. Australian-based and fully licensed.

  • Apply online in minutes, any time of day
  • Australian-based team you can actually call
  • Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

Estimate your repayments

$2001
6 months
Est. repayment
$209.10 /fortnight
Total to repay
$2,718.29

How much will I pay back?

You will get a full payment schedule with the total amount of your repayments as well as a description of all other fees before receiving your loan. However here is a simple example When you borrow an amount of $2,500 over 1 years, you will pay: $ 3666.70. Statutory fee: $400. Annual Cost Rate: 47%. Comparison rate: 69.54% pa*

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

How it works

From application to approval, here's what to expect when you apply with Small Loans Australia.

1

Apply online

Start your application online and provide a few details about you and your finances.

2

We take a look at your situation

Small Loans Australia looks at things like your income, expenses, employment, bank transaction history, existing commitments, credit history and ability to repay.

3

Review your offer if approved

If approved, you'll see the amount, repayments, fees, interest and key terms before deciding whether to go ahead.

4

Accept your loan

If you accept your offer, your loan amount will be deposited in your bank account.

Borrowing that's clear from the start

Taking out a loan is a real financial commitment, so we keep things simple and upfront — no jargon, no surprises.

  • 100% online

    Apply whenever it suits you. No paperwork, no in-person meetings.

  • A clear decision

    You'll get a straight answer once we've assessed your application.

  • Fast funding

    Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

  • Australian-based support

    A local team you can call on 1300 363 015 if you have questions.

  • Responsible assessment

    We only lend what we believe you can comfortably repay.

Loans for life's unexpected costs

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Car repairs

When the mechanic calls and it can't wait.

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Bills & utilities

Cover an unexpected or larger-than-usual bill.

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Medical & dental

Help with out-of-pocket health costs.

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Moving costs

Bond, removalists and the rest of a big move.

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Household essentials

Replace something you genuinely need.

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Bridging a gap

A short-term shortfall before your next pay.

Before you apply

A small loan can help with a genuine short-term need, but high-cost credit isn't right for every situation. Before applying, it's worth asking:

  • Do I really need this, or can it wait?
  • Can I comfortably afford the repayments alongside my other expenses?
  • Are there lower-cost options available to me?

Free, independent guidance is available at moneysmart.gov.au, and if you're struggling financially you can talk to a free financial counsellor through the National Debt Helpline on 1800 007 007.

Why our customers love us

Our cash loans have helped thousands of people just like you.

Google Rating 4.9 stars, 155 reviews

Who can apply

To apply for a loan,you'll generally need to:

  • Be at least 18 years old
  • Be an Australian citizen, permanent resident or valid visa holder
  • Have a regular income
  • Have an active mobile number, email and bank account

Meeting these criteria doesn't guarantee approval. We assess every application — including your income, expenses and credit history — to check the loan is suitable and affordable for you.

Frequently asked questions

You generally need to be 18 or over, an Australian citizen, permanent resident or valid visa holder, with a regular income and an active bank account. Meeting these criteria doesn't guarantee approval — we assess every application to make sure the loan is affordable for you.

Between $2,001 and $5,000, depending on your circumstances. We assess your identity, income, expenses and credit history to decide what (if anything) we can responsibly lend.

Apply online in a few minutes. We'll verify your details (we may call you), and if you're approved, you sign your contract online. Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

We may carry out a credit check as part of our assessment. Past credit issues don't automatically rule you out, but we can't lend to you if you're currently bankrupt or in a debt agreement.

Costs depend on the amount and term. Every loan has an establishment fee and a monthly fee, shown clearly before you sign. See your loan contract for the full fees, charges and comparison rate.

Smart Names Pty Ltd t/as Small Loans Australia — Australian Credit Licence No. 570687

The information on this website is general in nature and doesn't take into account your objectives, financial situation or needs.

Terms, conditions, fees and charges apply and are subject to change. All applications are subject to Smart Names Pty Ltd t/as Small Loans Australia's credit assessment and approval criteria. Funds are generally sent within 48 hours of a signed contract being confirmed on business days. Clearance times depend on your bank.

WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

Free financial guidance: moneysmart.gov.au · National Debt Helpline 1800 007 007.

· [email protected]

Ready to apply?

Check your eligibility in a few minutes. There's no obligation, and applying won't commit you to anything until you sign your contract.