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It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservice.gov.au/advancepayments & Phone: 13 17 94
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
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For Small Loans upto $2000 :
We don’t use APR (Annual Percentage Rate). These loans are based on fees, not interest. The APR is 0%. There's a 20%
establishment fee and a 4% monthly fee. Example: Borrow $1,000, repay $1,320 over 3 months.
For Medium Loans $2,100 - $5,000:
APR is max 48% (comparison rate 65.6597%). Includes a $400 Establishment Fee. Borrow $3,000, repay $4,289 over 1 year.
*Subject to lending criteria and our responsible lending obligations.
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