Free enquiry
Find out where you stand
Two minutes. No documents. No credit check — we only lodge a formal application if you tell us to, so nothing touches your credit file today.
- We compare your profile across our lender panel
- Written answer the same business day
- Bad credit considered — you need to be working
- No cost to you, ever
Free enquiry · 2 minutes · No credit check
To be considered you need to be 18 or over, an Australian citizen or permanent resident, currently working, and earning at least $30,000 a year before tax.
Past credit problems are not a barrier. Defaults, arrears and a low credit score are all things our lenders see every day. What matters is your income now, not the worst month you have had. If you are between jobs or your only income is a Centrelink payment, our panel cannot help — and we would rather tell you that up front than put an enquiry on your credit file that goes nowhere.
What happens after you send this
We read it properly
A person reviews your enquiry against our panel's current lending policies. Not an automated decline.
We email you back
The same business day, with what we found: which lenders fit, the likely rate range, and what it would cost per month.
You choose
If you want to proceed, we lodge the application. If not, nothing further happens and nothing is recorded against your credit file.
Repayment period: minimum 1 year (2 years on loans under $10,000), maximum 7 years. Interest rates: 9.00% p.a. to 22.00% p.a. depending on security, credit history and the lender. Maximum comparison rate: 28.48% p.a. — the ceiling across all our products, being a $5,000 loan over 2 years at 22.00% p.a. On our representative $30,000 over 5 years basis, the maximum is 22.48% p.a.
Representative example: a $30,000 unsecured personal loan over 5 years at 13.00% p.a. (comparison rate 13.44% p.a.), with a $295 establishment fee and no monthly fee, has repayments of $682.59 per month and a total amount payable of $41,251.
Fees: establishment fee $205 (secured) or $295 (unsecured). No monthly service fee. Lenders may charge fees for missed payments or early payout — set out in your credit contract before you sign.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.