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Need some help
finding a lender?
Apply for our lender-finding service here.
We can be your pal and help you find a lender
SEE HOW IT WORKS
$1500
Weekly
Fortnightly
Monthly

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

VERY FAST LENDER-FINDING EXPERTS

Just complete a quick application and we’ll start looking for a lender for you - it’s really that easy!
Instant Cash Transfer to your bank within 1 hour

OUR VERY SIMPLE PROCESS

Apply for a loan online in 2 simple steps.

  1. 1
    See if you meet the requirements.
    • Be 18 years of age or over;
    • Be an Australian citizen or permanent resident;
    • Have a personal bank account with a consistent income deposited into it for at least the past 90 days;
    • Have a direct phone number and email address

    If you check those boxes, then you are eligible to apply with our lender-finding service!

  2. 2
    Fill out the application form

    You can finish your application in just a few minutes! Once you submit it, it’s over to us to do our thing.

    We’ll have a look around the online lending market and try to find a lender for you. If we do, we can refer you in minutes!

Personal Loanpal

In a pickle? We're the pal you need.

Getting finance can be funny.

It's always when you really need to get finance - be it a personal loan, small business loan, car finance, a bond or emergency loan - that you hit roadblocks. You've built up momentum, taken the first step and started searching for a loan provider, and bam. Paperwork. Hours of phone calls. In-depth scrutiny into your personal finances.

All while you're at work and unable to really talk about exactly what you need funds for and why loans for people with bad credit should be more widely available.

Finances aren't funny. Get help getting to the punch line quickly.

Need help finding a lender? We’re your pal

If you don’t know where to start looking for a lender that offers a variety of loans. We can help. We can find lenders offering quick loans, small loans, fast cash loans, emergency loans, personal loans, small business loans, bond loans, or whatever kinds of short-term loans. We’re the pal you need when you’re in a pinch, and we’ll do our best to find a loan provider that can help you out.

It's simple, really.

You apply for our lender-finding service using our easy application form. We take the grudge work out of looking for a personal loan provider. Instead of spending hours on the phone trying to figure out what a heap of confusing financial terms. Leave the hard yards to the experts and we’ll do our best to find a lender for you!

It's all online.

We won’t waste your time with mindless small talk about how your day’s going, or annoying advertisements for other services. We’ll get straight down to business with what you really care about - your application for our lender-finding service. That way you can get back to doing what you do best while we try to find a lender for you. Ready? Let’s get started.

SMALL PERSONAL LOANS

LOAN AMOUNT
$200
MINIMUM
$2,000
MAXIMUM
TERMS
12
MIN MONTHS
12
MAX MONTHS
COSTS

UP TO 20% ESTABLISHMENT FEE CHARGED UPFRONT
+ MONTHLY FEE UP TO 4%

EXAMPLE

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

MEDIUM SECURED PERSONAL LOANS

LOAN AMOUNT
$2,100
MINIMUM
$4,600
MAXIMUM
TERMS
13
MIN MONTHS
24
MAX MONTHS
COSTS

ANNUAL PERCENTAGE RATE (APR) IS 48%
COMPARISON RATE IS 67.41% P.A.

EXAMPLE

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

LARGE SECURED PERSONAL LOANS

LOAN AMOUNT
-
MINIMUM
$5,000
MAXIMUM
TERMS
13
MIN MONTHS
24
MAX MONTHS
COSTS

ANNUAL PERCENTAGE RATE (APR) IS 21.24%
COMPARISON RATE IS 48% P.A.

EXAMPLE

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Do you qualify for our lender-finding service?

TO QUALIFY FOR OUR LENDER-FINDING SERVICE, YOU MUST:

  • Be at least 18 years of age
  • Have a personal bank account with a regular income deposited into it for at least the past 90 days
  • Be an Australian citizen or permanent resident
  • Have a direct phone number and email address

Do you check those boxes? We want to give as many people the chance to apply as possible, Yes, even you.

You with the bad credit. You on Centrelink. You looking for a lender to help you pay off some unexpected bills. You looking for a way to pay for the moving van or wedding cake you don’t quite have the budget for. You having a bad day where everything seems to be breaking down.

Do you qualify? If so, get cracking with an application! We might just be able to find a lender to help you out.

FIND OUT MORE ABOUT

WANT TO KNOW MORE ABOUT COSTS?

We can’t guarantee what the costs of a loan will be, but here’s an idea of what you can expect

DISCOVER THE COSTS