Short-term loans, without the spin
Compare short-term & payday loan options in Australia
Compare payday, cash and small loan options — with the legal fee caps, honest examples, eligibility, and the cheaper alternatives most sites won’t tell you about.
- 🔒 Secure
- ABN 52 168 226 480
- Credit Rep 516845
- AFCA member
Example · the legal maximum
- Establishment fee (max 20%)$200
- Monthly fee (max 4% × 6)$240
- Most it can cost$1,440
Capped by law — your actual rate depends on the lender who assesses you. A Centrelink advance or NILS may cost $0 in fees.
Find your path
Find the right option for your situation
Payday Loans
Short-term loans up to $2,000 — how they work and what they really cost.
Learn more →Payday Advance
Pay-on-demand and wage-advance apps vs a payday loan — what each really costs.
Learn more →Cash Loans
Fast cash options compared, with honest fees and cheaper alternatives.
Learn more →Small Loans
Borrow $300–$2,000 — small amount credit, explained plainly.
Learn more →Centrelink Loans
On benefits? See every option, cheapest first — including $0-fee help.
Learn more →Loans for Bad Credit
What’s realistic with a low credit score — no false promises.
Learn more →Loan Cost Calculator
See exactly what a loan costs before you borrow a cent.
Learn more →Simple & transparent
How it works
Tell us what you need
Choose an amount and term. It takes about a minute — no obligation.
We match you to a panel of licensed lenders
We’re a referral service, not a lender — we only work with licensed providers.
A lender assesses and decides
A licensed lender checks affordability, sets any rate, and makes the credit decision — responsibly.