Frequently Asked Questions
How much can I apply to borrow?
$200 – $20,000
How long does it take to arrange a loan?
If you have all of the required documents to support your loan application, we can process a loan in less than two hours.
What is the loan interest rate?
Our interest rate varies. It is dependent on a number of factors, such as the security offered for the loan and the duration of the loan. Once determined, the interest rate is fixed for the term of the loan.
What are the repayment terms?
Our repayment period is from three months to a maximum of 36 months, from $30 per week.
Do you loan to people on a benefit?
Yes, normal lending criteria applies.
Do you loan to people with bad credit?
It depends, give us a call and we can do a credit check to see if we can help.
How old do you have to be to get a loan?
You must be at least 18 years of age to apply for any form of credit or finance.
What are my payment options?
See “Repay A Loan” in our Resources section for more information.
What can I use as security for my loan?
We lend on cars and property. There must be no money owing on your security. If a balance remains, we can sometimes pay this out and build the cost into your personal loan.
What if I don't have security for the loan?
If you are unable to provide security, it may be that your situation allows us to lend you an unsecured loan up to the value of $1500.
Can I refinance my loan?
Yes we can refinance your loan if you have a good repayment history with us, clear credit and affordability.
Can I settle my loan early?
Yes, but please note there may be an early repayment fee.
Any more questions?
Please contact us to discuss here
Here to give you a helping hand
Our friendly team are here to help you throughout the entire lending process.
The APR for an average loan of $3200 over 18 months with an interest rate of 29.95% (which includes all setup fees, our Payment Protection Plan and third party charges) is 36.5%. These charges are variable and dependent upon the amount, term of loan and costs incurred. Example 1 – Representative example of a secured loan where the amount borrowed is $3000: Interest Rate is 29.95%, If the repayment time is 103 weeks then installments would be due weekly at $50 with a final payment of $23.80. Example 2 – Representative example of an unsecured loan where the amount borrowed is $1500: Interest Rate is 29.95%, If the repayment time is 63 weeks then installments would be due weekly at $40 with a final payment of $8.81. Maximum APR 42% | Minimum Repayment Time 3 Months | Maximum Repayment Time 3 Years