How it works

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You can organise your loan online in just three easy steps, without any paperwork or long phone calls.

Step One - Apply online in a couple of minutes.

Submit your details using our easy, online application form. This enables us to verify your identity and match you with the best available lender. We keep your information safe and secure with the latest encryption technology.

Step Two - Matching you with the most suitable lender

After assessing your situation, we utilise our extensive panel of lenders to find you the best available loan. Your new lender will contact you via email with your loan details including the repayments and terms and conditions. If you are happy, you can e-sign to accept their offer.

Step Three - Cheers, here's your cash!

Once your lender receives confirmation of your acceptance, they will transfer the money into your bank account.

You could have your funds in as little as 60 minutes!! (Approval times vary depending on your individual application and your bank's policies)

WARNING: Your loan approval depends on the information you provide to us in your online application. Your lender may request for you to provide additional document before they approve your loan.

As per ASIC regulations, Installment Loans do not charge borrowers any fees to process their application.

Am I eligible to apply for a personal loan?

In accordance with ASIC regulations, you must meet the criteria below to be eligible for an instant personal loan.

• You need to be an Australian citizen or permanent resident.
• You must be at least 18 years of age.
• You cannot have two or more existing loans under your name.
• You must not have already applied for two or more loans in the last 90 day period.
• You must be in a financial situation where you are able to comfortably meet your loan repayments.
• You need a valid Australian phone number and an email account.
• You will have less chance of being approved if you have been declared as a 'Defaulter' by a previous lender due to incomplete repayments in the past. Your approval is dependent on the policies of each individual lender.

Are Centrelink recipients eligible to apply for this loan?

Centrelink beneficiaries will qualify for this loan if they meet the following criteria:

• Up to half of income (50% of total) is received from Centrelink.
• Loan repayment amount must not be more than 20% of total income (this also includes any repayments on past loans).