24/7
Loans

We'd rather be straight with you about timing than promise "instant" money. Here's exactly what happens after you apply.

When you apply, and what happens next

• Weekday, 9am to about 3pm Sydney time: We can usually review it the same day. If you're approved and sign your contract, funds may arrive within 60 minutes with a PayID-enabled bank.
• Weekday evening: Your application is saved and reviewed from 9am Sydney time the next business day.
• Saturday or Sunday: Reviewed from 9am Sydney time on Monday.
• Public holiday: Reviewed from 9am Sydney time on the next business day.

Timing is a guide only. Some applications need extra checks or documents, which can take longer. Approval is not guaranteed.

Why apply out of hours?

Even though funds are sent in business hours, applying when it suits you still saves time:

• You're first in the queue when our team starts the next morning.
• You can do it calmly, at night or on the weekend, without rushing on a work break.
• Your bank statements are shared securely online, so there's nothing to post or scan.

In Perth, our hours are 7am to 3pm local time, or 6am to 2pm during east-coast daylight saving, so applying the night before can make same-day funding more likely.

How to apply in 3 steps

1. Apply online in minutes. Tell us how much you need and share your bank statements securely.
2. A real person reviews it during business hours and checks the loan fits your budget.
3. Sign and get paid. Once you're approved and your contract is signed, customers with PayID-enabled banks may receive funds within 60 minutes during business hours.

What it costs

• Small loans ($500 to $2,000): 20% establishment fee and 4% monthly fee, no interest
• Medium loans ($2,001 to $5,000): $400 establishment fee and 47.6% p.a. (comparison rate 69.04% p.a.)
• Large loans ($5,001 to $10,000): no establishment fee, 45% p.a. (comparison rate 45% p.a.)

Comparison rates are true only for the examples given and may not include all fees and charges. There are no early repayment fees.

Who can apply

You'll need to be 21 or older, an Australian citizen or permanent resident, and employed with regular income for at least 3 months. You'll also need online banking in your own name. Centrelink income must sit within our lending criteria.

Be careful with "instant" 24/7 promises

Licensed lenders must check that a loan suits you before they lend. If a lender promises instant approval at 2am with no checks, ask how. Check its Australian Credit Licence number on ASIC's professional registers before you share your details.