• Over 18 years of age

    You must be of legal age to sign financial contracts in Australia

  • Australian citizan

    You must be an Australian citizen or Australian permanent resident

  • We have to be able to contact you

    You must have an email address and a mobile phone number

  • Regular income

    You must have a regular, verifiable income that is paid weekly, fortnightly or monthly

How Much Do You Need To Borrow?


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What About Centrelink or Unemployed?

To qualify for a loan with us, an applicant must have a minimum income of $1,100 per month. This means an unemployed applicant must either be meeting Mutual Obligation Requirements set by the Australian Government and receiving the Newstart Allowance, or receiving another Government benefit to be eligible for a loan.

We will not provide loans of less than $2,000 with a term of less than 12 months, otherwise known as a Small Amount Credit Contract (SACC), if the purpose of the loan is to re-finance an existing SACC that a customer has with us.

Qualifying For A Cash Loan Is Easy

As long as you are over 18 and earn a steady income you are likely to qualify for a loan with us. We have set the minimum monthly earnings at $1,200 which means if you earn less than this a month, then a loan is not going to help your situation, however one of our partners may be able to help.

As the repayment period is over ten weeks or three months, your loan with us may be more affordable than with other lenders, such as payday lenders, who require repayment in full on your next payday, when paid monthly. This means that we may be more likely to approve your loan and we may be able to lend you more money to suit your cash emergency needs, when you need it most.

As we have made the borrowing process as simple and efficient as possible, you will need to hold a bank account which accepts direct debits and you will also need to be paid directly into your account. This is so that your loan can be paid automatically and electronically direct to you via your bank account and also that we can receive the loan repayment automatically when the repayment date is due.

Unfortunately we cannot accept self employed workers or people living outside of Australia (please see kiwipayday.com if you are a New Zealand resident). Our loans are also unsuitable for people whose sole income is from benefits, although we may be able to refer you to a more suitable product for your needs. If you are also experiencing long term financial difficulties and have a number of loans already, we recommend you seek financial advice rather than taking out additional loans which you will have difficulty repaying.

*Credit history is only one part of what we review when considering your loan application. Your recent credit history may play a significant role in our final decision. First-time customers will need to provide 90 days worth of bank statements to comply with responsible lending regulations. Repeat customers may also need to provide 90 days statements in the event that their circumstances have changed, they have taken out 2 or more short term loans in the last 90 days or it has been at least 90 days since we assessed your details.