Fast personal loans
Better Loans for a Better Tomorrow
Beating the banks on rates, speed and service.
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What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
5.99% p.a.
Comparison rate from³
6.7% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
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.
Personal Loans in Australia – Fast, Flexible, and Fair
Looking for fast and simple personal loan options? At LoanApply, we make finding a personal loan in Australia simple, transparent, and completely online. Whether you’re looking for a fast approval loan, a personal loan with flexible eligibility, or flexible repayment options, we’ll help connect you with lenders who may be able to assist — all in just a few minutes.
Why Australians Choose LoanApply
- Fast Online Approvals: Apply in minutes and get matched with lenders that offer quick decisions.
- Flexible Loan Options: We work with a wide range of lenders offering personalised loan solutions..
- Flexible Loan Options: Borrow from $10,000 to $1,000,000* depending on your eligibility.
- No Hidden Fees: Transparent costs, flexible repayment plans, and no surprises.
- Australia-Wide Service: 100% online — apply anytime, anywhere.
*Loan amounts and approval times vary depending on your profile and chosen lender.
Looking for a quick and simple loan application process?
While LoanApply doesn’t provide guaranteed or instant approvals, we partner with licensed lenders who review applications individually and consider a broad range of lending criteria., including a broad range of credit profiles as assessed by our lending partners.
Our goal is to give you the best chance of finding a loan that suits your situation — even when you’re exploring alternative lending options.
How It Works
- Apply Online: Complete a short, secure form — it takes less than 5 minutes.
- Get Matched: We’ll connect you with trusted lenders based on your profile.
- Compare Offers: Review your options, terms, and rates before choosing.
- Receive Funds: Once approved, funds are typically transferred within 24–48 hours.*
Use Your Loan for Any Purpose
- Home renovations or moving costs
- Car purchase or repairs
- Medical, travel, or lifestyle expenses
- Education or travel
No matter your reason, our partner lenders provide personal loan options designed to fit your budget and lifestyle.
Who Can Apply
You may qualify if you:
- Are 18 years or older
- Have a regular income (employed or self-employed)
- Are an Australian citizen or permanent resident
- Have valid ID and an active bank account
Even if you’ve been declined before, we can still connect you with lenders offering flexible criteria.
Apply with Confidence
Your privacy and security are our top priorities. Our platform uses industry-standard encryption to protect your data, and we only work with verified Australian lending partners.
Take the First Step Today
Get started now — no lengthy paperwork, no stress.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
What is a personal loan?
A personal loan is a fixed amount of money borrowed from a licensed lender that’s repaid over time with interest. You can use it for things like home improvements, travel, education, or lifestyle expenses.
How fast can I get approved and receive funds?
In many cases, applicants receive a response within minutes after submitting their application. Once approved, funds can be transferred within 24–48 hours, depending on the lender and your bank’s processing time.
Can I apply if I’m self-employed or on Centrelink?
Yes. Some of our lending partners consider applications from self-employed individuals or those receiving Centrelink payments, provided you can demonstrate regular income.
Is the application process secure?
Absolutely. LoanApply uses advanced encryption and complies with Australian data protection standards to keep your information safe.
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.