Fast personal loans

Better Loans for a Better Tomorrow

Beating the banks on rates, speed and service.

Start almost anything

Home renovation

Wedding

What we offer

Loan amount

$2,000 - $100,000

Interest rate from²

5.76% - 24.03% p.a.

Comparison rate from³

6.55% - 24.98% p.a.

Establishment fee⁴

$275 or $575

Repayment frequency

Weekly, fortnightly, or monthly

Early repayment fee

$0

Loan terms¹

3, 5 or 7 years

Rate type

Fixed rate

Lightning FAST funding

Typically less than 5 minutes

Loan type

Unsecured

01

Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

02

Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments

03

Get your money

After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

Choose a lender with purpose

Our philosophy? Doing good while doing business.

Get a quick estimate

What our customers say

Emily S., Adelaide

13. October, 2025.

I consolidated my debts into one easy payment. So much less stress now.

James R., Melbourne

13. March, 2025.

They helped me find a personal loan quickly and easily. The process was smooth and stress-free.

Sarah T., Sydney

10. February, 2025.

Got approved in hours! The process was super smooth and stress-free.

Matt L., Perth

8. July, 2023.

Applied for a car loan and had the money in my account the next day!

Oliver M., Canberra

6. April, 2023.

Great service, clear terms, and no hidden fees. Highly recommend.

FAQs

Can Aussies with a bad good credit have education loans?

Yes! You are 100% right. No, issue! You can have education loan on your repayment options with or without a security or a guarantor.

What is debt consolidation loan? Am I liable for this loan?

A debt consolidation for Aussies means simplification of debt payments and bringing different debts into single easy-to-manage loan. Everyone is able to get this loan and get rid of different sorts of loans owned by Aussies.

How many documents I need to support application for having loans?

You simply have to fill a single online application with a few formalities ad our specialist will reach out soon.

What is the average time it takes to loan credited to my accounts?

It largely depends on to be borrowed amount of money and repayment options chosen by Aussies. As far as amount transfer in your accounts in concerned, you can get any sort of loan on the same day, if all is well and money lenders have no issues with your loan application.

I have no idea on repayment options?

When you opt for secured or unsecured loan, the money lender will evaluate your existing finance condition and income sources to decide what amount of loan you can borrow. You can choose repayment options as per your paying ability—weekly, fortnight, or monthly.

What are the common types of loans that Aussies can get?

Aussies can have truck, business, home, holidays, home, education, wedding, and consolidation loan at the lowest interested form leading Australian money lenders and financial institutions. It is the type of secured and unsecured loan that decides how much amount of loan you will be able to get online. Secured loan interest rates are lower whereas unsecured amount vary from lender to lender.

Easy Loan Apply

loanapply.com.au is the most excellent and dependable resource that makes borrowing quite easy for all Aussies.

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Disclaimer: The content displayed on the website is purely for general information purpose only. The information provided by the website makes no representations or warranties of any kind on loan borrowing and financial products or services. Your decision to borrow a variety of loans solely depends upon your ability to take the risk or the understanding of lending criteria in Australia.

1. Subject to approval. Loanapply’s unsecured interest rates range from 4.799% p.a. to 8.03% p.a. (Comparison Rate 6.55% p.a. to 9.8% p.a.) and secured interest rates range from 5.66% p.a. to 9.07% p.a. (Comparison Rate 6.45% p.a. to 9.98% p.a.). Rates are offered based on the individual borrower’s credit assessment according to Loanapply’s credit scorecard. In order to be approved you must meet Loanapply’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.2. Unsecured comparison rate of 6.55% and secured comparison rate of 6.45% are based on a personal loan of $30,000 over 5 years. WARNING: Comparison rates apply only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Unsecured fixed rates range from 5.76% p.a. (Comparison Rate 6.55% p.a.) and secured fixed rates range from 5.66% p.a. (Comparison Rate 6.45% p.a.) on 36, 60 or 84 month terms, with no early repayment penalties.Example loan. A Loanapply Personal Loan of $20,000 borrowed for 36 months with a fixed unsecured interest rate of 5.76% p.a. (comparison rate 6.55% p.a.) the total amount you would need to repay would be $23,062 (made up of $20,000 principal, interest of $2,487 and a $575 establishment fee)