What is a Safe Mini Loan?
A Safe Mini Loan is a small personal loan. This means, if approved, you'll receive cash directly into your bank account.
How much can I borrow?
You can apply for any amount from $1,000 to $5,000. All applications are welcome and we try to help everyone.
When can I get the money?
We do our best to make the process as fast as possible. During our office hours you generally receive a conditional answer in minutes, then if approved it's up to how quickly you sign and return your loan documents – we can email, fax or express post them to you - with same day funding available.
Who Can Apply?
As long as you are 18 years old, have a bank account in your name and are receiving a take home income of $500 per week or $1000 per fortnight you are welcome to apply.
* Please note if you are a past client and have had a loan with us before you are welcome to reapply whether you meet this criteria or not.
What will it cost?
There are no application fees, so it costs absolutely nothing to apply for a Mini Loan and fees are only payable if you receive your loan. Our simple loan calculator gives you a choice of terms for repayments including all fees, charges and interest. Plus there are no penalties for early payouts.
What if I cannot repay my mini loan?
There are Penalties and additional fees and charges that may apply should you not adhere to the terms of your loan contract including dishonoured payment fees and other default fees as detailed in your loan contract. In the unfortunate event of a default, we may also notify credit reporting agencies by way of a default lodged on your credit report if you fall behind on your repayments. In the event of non-payment of a Mini Loan we prefer to seek to negotiate a resolution to cure the arrears, prior to resorting to court action. The following are some of the contact methods used by us to notify you of missed payments and to seek to resolve matters: Phone, Mail, Sms and Email. Loans made are not renewed automatically. Separate applications for further loans must be made.
Terms, Conditions, Lenders Suitability Assessment and Credit Approval Criteria will apply.