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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.

There are no application fees, so it costs absolutely nothing to apply for a Mini Loan. Fees are only payable if we approve and fund your loan. 

The best way for you to apply is online (it only takes a few minutes). Then, to finalise your loan application, we will need to speak with you to confirm certain questions - so you will need to be contactable by phone during our office hours.

You are welcome to apply if you have some bad credit - in many cases we are able to approve applications for people that have had past credit problems. However, we would discourage you from applying if you have multiple unpaid loan defaults on your credit report or are currently in a Part 9 Debt Agreement.

If you are a new client and your sole income is Centrelink benefits then unfortunately we cannot take an application at this stage. We can only accept an application from new clients if you are receiving wages and or certain other payments like DVA pension, Docs, Superannuation Payments.

Yes, during the application process a credit check will be performed.

Yes, to process your loan application we need to make an assessment of your ability to repay your loan and this includes sighting your bank transaction history. This is done securely by you sending us a read-only copy of your transaction history. 

We will do our very best to approve your loan application, however we cannot guarantee approval in all cases. When looking to approve a loan, we will look at affordability (can you comfortably afford the repayments), your credit history (some bad credit is still considered) and other things like occupancy, employment (if working) and your repayment history on other loans or credit.

We do our best to make the process as fast as possible. During our office hours you generally receive a conditional answer within hours, then if approved it's up to you how quickly you sign and return your loan documents. We can email or express post them to you - with same day funding available.

There are 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 in your repayments. We always give you advance notice before we notify a default to the credit reporting agencies. 

In the event of non-payment of a Mini Loan we prefer to seek to negotiate a resolution to repay the arrears, prior to resorting to court action. The following are some of the contact methods we use to notify you of missed payments and to seek to resolve matters - Phone, Mail, SMS and Email. Loans made are not renewed automatically. You will need to make a separate application for a further loan.