Need some money quick? Well then you’re in the right place.

$250 $5000
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

FAQ

Applying through Loan Peeper

 

Q. What does Loan Peeper do?

A. We’re a lender-finder specialist that aims to get rid of the stress of the loan process. We make finding lenders a piece of cake.
Applying with Loan Peeper takes only a few minutes, and, provided you meet the basic criteria, we get to work trying to find you a lender who may be able to give you the loan you need!

Q. Who can apply?

A. Our basic criteria are pretty darn simple. To qualify for our service we simply require the following from you before we can start trying to find you a lender:

  • Must be at least 18 years old
  • Must have been paid a regular income into a personal bank account for at least the last 90 days
  • Must be an Australian resident, or have permanent residency
  • Must have a direct contact number and email address

Q. I get Centrelink payments, can I apply?

A. You can apply if you receive Centrelink income. Most credit lenders assess whether what they’re offering to you is affordable and suitable for your individual situation and circumstances. Apply now to find out if you qualify for a quick cash loan.

Q. I’ve applied. What happens next?

A. We’ll get straight to work trying to find you a lender who may be able to help you out. If we do find you a lender they’ll do their own assessment to ensure that their loan product may be suitable for your circumstances.

Q. What documents do I need to submit?

A. We simply require you to upload a read-only copy of your bank statements. If we find you a lender your credit lender may need to see a few documents to verify your identity and expenses and may call your office to verify your employment, but don’t worry, they’re not going to discuss your loan application or disclose any personal information with your employer.

Q. How do I apply?

A. Please don’t call us to apply – we’re 100% online! Please use the form on our home page to submit your application, and we’ll take care of the rest.
If you have a problem with your application, want to formally lay a complaint or have an emergency, please use the contact form right over here.

Q. When are you open?

A. You can submit your application any time on our website – that’s the benefit of being online.

Applying after hours means you may be contacted the next business day.

 


 

Fees and payments

 

Q. What do personal loans cost?

A. We’re a lender-finder, not a lender, so we can’t guarantee what your costs and fees will be. If you’re approved remember to have a chat with your lender about the fees and costs associated with their loans. But you can expect to pay something like this:

Small Amount Credit Contract (loans from $300 to $2000), costs are:
  • Establishment fee: 20% of loan principal.
  • Flat monthly fee: 4% of loan principal.
  • Direct debit dishonor fee: can be $20-35 per dishonor.
Medium Amount Credit Contract (loans from $$2001 to $4600), costs are:
  • Establishment fee: $400 flat fee.
  • Annual Interest Rate: 48%.
  • Direct debit dishonor fee: can be $20-35 per dishonor.

*Comparison rate of 67.41% per annum. This comparison rate is based on a medium amount secured loan and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

A large amount secured loan, $5000:

The costs of a large amount credit contract are again a little different. You can expect something like the following:

  • An interest rate of 21.24%* per annum. Keep in mind that the more you pay off your loan, the less interest you will be charged. This is called reducing interest.

*The maximum comparison rate for interest is 48% per annum. This comparison rate is based on a large amount secured loan and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate

Q. How do personal loan repayments work?

A. It’s important to pay back your loan without missing any repayments so that you don’t get any extra fees added onto your total repayment amount. If your loan application is approved, check to see if your lender can help you set up direct debits that match your weekly, fortnightly or monthly income payments so that you always have funds available and aren’t charged any extra dishonor fees for missing payments.

Q. What if I can’t make a repayment?

A. If you don’t make your repayments, you could be liable for extra fees which would make your total repayment amount much more than it needs to be. Make sure that you have your debits set up in line with your salary payments so you can be sure that there are always funds available. The fees and repayment amounts should be outlined in your loan contract – make sure you check it.

Q. What happens if my situation unexpected changes and I can no longer make my repayments?

A. Your credit lender can pass your account on to an external debt collection agency. Lenders are legally entitled to add defaults to your credit history file, where they could stay for up to 7 years so if you think your debits will fail or your situation changes, make sure you get in touch with your credit lender as soon as possible.

Q. Bankrupt?

A. If you are in a current or undischarged bankruptcy, you may still qualify for a specific type of secured personal loan called a MACC or LACC.

If you are currently in a Part 9 Debt Agreement you could be eligible for a Secured Medium Amount Credit Contract or Large Amount Credit Contract which involves you putting up some form of security like a car, boat, motorbike or caravan. These loans range from $2,001 to $5,000.

Apply using the form above and let’s find out if you’re eligible for a MACC or LACC.


 

Additional Questions

Q. I have a complaint. Who can I talk to?

A. Well, this is upsetting.
If you’re not satisfied with our services, contact us using the form on our contact page.

We’ll get in touch with as soon as possible. Still not satisfied? Contact the Credit Ombudsmen Service Limited for an independent review.

You can contact the Credit Ombudsmen Service on 1800 138 422 or visit www.cio.com.au for more information.