Personal loans · $2,001–$5,000

A bit more, borrowed the honest way.

For the larger one-off costs — a car, a dental bill, moving house. A fixed rate, a comparison rate, and repayments you can see before you commit.

✓ 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.

What they're for

For the bigger, one-off costs

A personal loan suits a specific, larger expense you'd rather spread over time — not ongoing living costs or day-to-day spending.

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Car costs

A major repair, replacement tyres, registration or a reliable second-hand upgrade.

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Dental & medical

A larger dental treatment, specialist gap or an out-of-pocket procedure.

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Moving & setting up

A rental bond, removalists or essential furniture and appliances for a new place.

Eligibility

Am I eligible to apply?

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

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.

How it works

Applying takes four steps

Apply online

Tell us how much you'd like and share a few details about your income and expenses.

We assess it

We review your information, including your bank statements, to check the loan is affordable and suitable.

Review your contract

If approved, we send a contract showing your rate, comparison rate, fees, repayments and total. Read it carefully.

Get your funds

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

Borrow with your eyes open

Before you borrow, think it through

  • Do you need the full amount? Borrowing less, or over a shorter term, usually costs less overall.
  • Can you comfortably afford the repayments for the whole term, on top of your everyday expenses?
  • Is there a lower-cost option — savings, or a payment plan — that could work instead?

Free help, if money is tight

  • Talk to a free financial counsellor on the National Debt Helpline — 1800 007 007 (free, independent, confidential).
  • Ask your electricity, gas, phone or water provider about a hardship or payment plan.
  • On Centrelink payments? Ask about an advance payment — 13 17 94.
  • Compare your options on the Government's Moneysmart website.

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.