Loans by what they’re for
Every page describes the same loan. Pick the cost you have to see what it can cover, and the cheaper options to check first.
Car repair loans
Repairs, tyres, servicing or registration.
Read about car repair loansMedical loans
Specialist fees, a hospital excess or treatment.
Read about medical loansDental loans
Root canals, crowns, implants or wisdom teeth.
Read about dental loansVet loans
Pet surgery, treatment or a big vet bill.
Read about vet loansRental bond loans
A bond and rent in advance for a new home.
Read about rental bond loansMoving house loans
Removalists, truck hire and connection costs.
Read about moving house loansHome repair loans
Hot water, plumbing, electrical or roof repairs.
Read about home repair loansFurniture and appliance loans
A fridge, washing machine, bed or mattress.
Read about furniture and appliance loansEducation loans
Course fees, school costs or a laptop for study.
Read about education loansTravel loans
Flights, accommodation or a trip to see family.
Read about travel loansWedding loans
A venue deposit, rings, clothes or photos.
Read about wedding loansChristmas loans
Gifts, or travel to see family at Christmas.
Read about christmas loansFuneral loans
Funeral costs, burial or cremation.
Read about funeral loansPersonal loans
One unsecured personal loan for one-off costs.
Read about personal loansHow the loan works
It’s the same loan whatever you use it for. Your offer and contract show your exact figures before you accept.
| Feature | What it means |
|---|---|
| What you can borrow | $2,050 to $4,600 in cash, in $50 steps |
| Establishment fee | $400, added to the loan, so the total stays within $5,000 |
| Length | 3 or 6 months |
| Repayments | The same amount each time, weekly, fortnightly or monthly, timed to your pay. The first is at least 7 days after the loan is paid. |
| Interest | A fixed rate, charged only on what you still owe |
| Paying early | Allowed at any time, with no early repayment fee |
| Security | None. The loan is unsecured |
| How you get the money | Paid into your own Australian bank account, if you’re approved and accept |
What we don’t offer
- Loans of $2,000 or less, or more than $4,600 in cash.
- Credit cards or lines of credit.
- Loans secured against your car or home.
- Loans for a business, investing or gambling.
- Loans for everyday bills that keep coming back, or to pay off other loans.
For free, confidential help, call the National Debt Helpline on 1800 007 007.