A loan between $500 and $2,000 may cover a defined expense, such as a car repair, an essential appliance or a bill with a due date. Before borrowing, work out the amount you actually need and whether the repayments fit alongside your regular costs.
Car expenses - including repairs, rego, tyres or insurance
Family emergencies or funeral costs
Travel and accommodation
Moving costs - including rental bond, body corporate fees, transport
New furniture or household appliances
Home renovations
Education costs - including school fees, uniforms, stationery or tech items
Gifts for those you love
Medical expenses
Vet bills
$500
$5,000
Repayment frequency header
New customers must work and earn $700+/wk to be eligible to apply.
* Repayment amount is a guide only. If your loan application is conditionally approved, your loan contract will list the repayment amounts, the number and frequency of repayments, when they are due, and any fees and charges. TEST
When does a $500 to $2,000 loan make sense?
This range suits a single cost you already know the amount of, such as a car repair, a vet bill or a replacement appliance. Have the bill or quote in front of you before you apply, so you’re working from a real figure rather than an estimate. For other common reasons people borrow, see our cash loans page. This page is about choosing an amount up to $2,000.
How much should I borrow?
Start with the amount on your bill or quote. Take away what you can pay yourself without leaving yourself short for rent, groceries or other essentials. What’s left is the amount to apply for. For example, if a car repair costs $1,400 and you can put $300 towards it, apply for $1,100 rather than the full $1,400. Borrowing only what you need keeps your fees and repayments lower.
What is the minimum I can borrow?
$500 is the minimum personal loan amount Safe Financial offers, subject to approval.
How long will I have to repay?
The term depends on the approved amount and the contract offered. Check the exact number and timing of repayments before you sign.
What changes at $2,000?
Loans up to $2,000 are generally Small Amount Credit Contracts. Loans from $2,100 to $5,000 are Medium Amount Credit Contracts and you can find more information on about those loans on our $2,100 to $5,000 Loans page.
Does a quick application mean automatic approval?
No. Our fast loans page explains the assessment and timing.
Checking eligibility
See the small loans page for basic eligibility requirements. Meeting our eligibility requirements does not guarantee loan approval; we still need to assess income, expenses and suitability for every application.
What if I need more than $2,000?
See our $2,100–$5,000 loans page, it is important to choose an amount that reflects the costs you need to cover and repayments you can manage.
Apply online in minutes - select your loan amount and repayment frequency, complete the online application, and hit 'Submit'.
Fast approvals - you’ll get a decision, usually within a few business hours. Plus same day funding is available.
Friendly customer service - our customers love us! They rate us ‘Excellent’ on Trustpilot.
Responsible lending - we will only lend you money if you can comfortably afford the repayments and the loan suits your requirements and objectives.
Repay early and save - if you wish to repay your Safe Financial loan early, there are no early payout fees, so you’ll save money!
WIN $1,000 - when you take out a small loan, a car loan or a business loan, you’ll have a chance to WIN back $1,000! Winners are grinners – check out our winners.
100% Australian-owned and operated - we're a trusted credit provider with over 20 years of experience helping Aussies get what they want when they need it!
