Credit24 is an Australian online lender offering personal loans and a line of credit from $500 to $10,000. Customers can apply online 24/7, receive a fast decision, and access funds quickly if approved. Credit24 focuses on transparent terms, flexible repayments, no early repayment penalties, and real customer support.

How do I apply for a loan at Credit24?

You can apply for a Credit24 loan online by completing a short application form with your personal, employment, income and banking details. The process is fully online and available 24/7. Credit24 will assess your application under responsible lending requirements before making a decision.

How long does it take for a loan application to be processed at Credit24?

Credit24 provides fast online loan assessments, often same day. If your application is approved, funds may be paid out quickly, including within minutes to Osko participating banks where available. Timing can depend on your bank, application details and verification requirements.

What loan amounts does Credit24 offer?

Credit24 offers personal loans and line of credit options from $500 to $10,000, subject to approval and responsible lending checks. The amount you may be eligible for depends on your individual financial situation, income, expenses and ability to repay.

What are the fees and charges for a Credit24 loan?

Credit24 aims to keep loan costs clear and transparent, with no hidden fees. Fees, charges and interest will depend on the product, amount borrowed and loan terms. Customers should review the loan contract and pre-contractual information carefully before accepting an offer.

Can I repay my Credit24 loan early?

Yes. Credit24 does not charge early repayment penalties. You can pay more when you can or repay your loan early, which may help reduce the total interest payable.

Does Credit24 offer flexible repayments?

Yes. Credit24 offers flexible repayment options designed to help customers manage repayments around their income and financial commitments. Repayment options are subject to the approved loan terms and your individual circumstances.

Yes. Credit24 is an Australian online lender and is regulated in Australia as an Australian Credit Licence holder. Credit24 is owned by IPF Digital Australia and provides online personal loans and line of credit products subject to responsible lending obligations.

How do I contact Credit24 Customer Care?

Credit24 customers can contact Customer Care through the contact options listed on the Credit24 website. Support is available from real people during Credit24’s customer service hours.

What do customers say about Credit24 reviews?

Customer reviews often mention Credit24’s fast application process, clear communication, helpful customer service and flexible repayment options. Individual experiences may vary, so it is important to review the loan terms carefully and only borrow what you can afford to repay.

700+ applications submitted in the last 24 hours. Apply now

1300293000

Need cash?

Cash Loan repayment calculator

$5,000

$500$10,000

Repayments

Credit History

Apply Now

DISCLAIMER: This calculator provides indicative interest rate and repayment estimates across Credit24’s lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations. The APR is illustrative and all figures are subject to change.

Get up to $10,000 fast.

White line illustration of coins and credit card on blue background

Need cash?

Get up to $10,000 fast.

Cash Loan repayment calculator

$5,000

$500$10,000

Repayments

Credit History

Apply Now

Why Credit24?

Life's complicated enough. Borrowing money shouldn't be. At Credit24, we do things differently, putting you in control with flexible repayments, fast access to funds and a 60 Day Satisfaction Guarantee that backs up our commitment to doing right by our customers.*

Apply now

Honest loans. No hidden fees.

Clear terms, upfront costs and no hidden surprises. What you see is what you get.

60 days of peace of mind.

Not happy with our service? Let us know within 60 days and we'll waive eligible interest and fees.*

Fast cash when you need it

Approved? You can generally get your funds within minutes^.

Flexible repayments, your way.

Pay more when you can and save on interest. No penalties for paying off your loan early.

How to get a quick loan?

Two people working on a laptop at a table with notebooks, in a cozy room with shelves

Tell us about yourself

Complete our quick and easy online application. It only takes a few minutes to check your eligibility.

Get an instant outcome

You’ll receive a fast, straightforward decision from our online system—no confusing jargon or long wait times.

Fast payout if approved

After our quick manual check and if approved, money can hit your bank account within minutes^.

Apply now

Loans for everyday purposes

Whether it’s bills, repairs, or treating yourself to something special, Credit24’s flexible loan options can support you through different situations - wherever you are in life.

Apply now

Person in pink shirt and straw hat sitting cross-legged near netting and greenery, face blurred

Travel Loans

Escape, unwind, and relax — make your dream getaway a reality with our loans starting from $500.

Car Loans

Want new wheels? Our car loans can help you hit the road without financial stress.

Home Renovation Loans

Upgrade essentials without delay — our loans are here to support your home needs.

An older woman choosing glasses in ophthalmologist's office

Medical Loans

Prioritise your health without the stress of finances — we are here to support you.

Dental Loans

Smile bright without the sting of dental costs — our loans are here to support you.

Car Repair Loans

Car troubles? You can get back on the road faster with our quick cash loans.

Motorbike Loans

Experience the thrill of the open road and the freedom of adventure with a loan for your dream motorbike.

Young woman sitting on the coach and checking her mobile

Rental Bond Loans

Pay your rent on time or cover unexpected costs like rental bond deposits or moving expenses.

Wedding Loans

Celebrate your big day without financial stress — our wedding loans can support you.

Young woman smiling while listening her colleague playing guitar

Student Loans

Upgrade your skills and knowledge to boost your personal growth and achieve more.

Young man standing with his bike on a bridge

Short-Term Loans

Need cash urgently? Apply for a short-term loan and get fast access to the funds you need.

Young couple smiling while looking on their computer

Unsecured loans

You can get the funds you need, fast — no collateral required and no added stress.

A woman taking bottle with juice out of the fridge

Household Goods Loans

Upgrade essentials without delay — our loans are here to support your home needs.

Man looking at the camera while sitting at the picnic table

Part-Time Employed Loans

Don't have a full-time job? Our affordable personal loans are also available to part-time and self-employed individuals.

Start application

Got questions?

You're not alone. Here are answers to common questions about applying, repayments, fees, fast funding and customer support.

Applying for a Credit24 loan is quick and hassle-free. Our application form is available 24/7, giving you the flexibility to apply whenever and wherever it suits you. To start, simply click the 'Apply for a Loan' button and fill in your details.

Once you've submitted your application, you'll receive an instant outcome. If your application is conditionally approved online, a specialised loan agent will review and process it during business hours. If your loan is approved, your funds will be transferred within miutes^ to Osko participating banks.

We pride ourselves on transparency and believe you should know all fees and charges before you apply. Below, you'll find a breakdown of the fees associated with our loans, so you're fully informed every step of the way.

Personal Line of Credit $500 to $10,000
No establishment fee
24%-48% interest p.a. on the outstanding balance
Late fee: $10 per week

Small Loans $2,000 or under
Establishment fee of 20% of the loan amount
A monthly service fee that is 2%-4% of the loan amount
Late fee: $10 per week

Medium Loans $2,001 to $5,000
Establishment fee of up to $400
24%-48% interest p.a.
Late fee: $10 per week

Personal Loans $5,001 to $10,000
No establishment fee
24%-48% interest p.a.
Late fee: $10 per week

Yes. Credit24 is fully regulated by the Australian Securities and Investments Commission (ASIC). Australian Credit Licence number 422839: is an Australian Regulatory Prudential Authority (APRA) registered financial corporation: that complies with AUSTRAC’s Anti-Money Laundering and Counter-Terrorism Financing requirements: and subject to Privacy Act obligations regulated by the Office of the Australian Information Commissioner(OAIC).

We’re owned by International Personal Finance IPF plc Digital, a trusted global lender with operations across Europe, Australia and Latin America. With a local Australian team and a commitment to responsible lending, you can be assured that your loan is handled securely, transparently, and in line with Australian credit laws.

More FAQs