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About Credit24

Who are we?

Based in Sydney we launched in Australia in 2012 bringing simple, flexible and personalised loans to help make short term loan application easier and available to more people. We aim to keep our loans convenient, secure, hassle free, flexible and 100% online. Our growing team in Sydney is here to support you seven days a week.

Credit24 is a part of IPF Digital

Credit24 is owned by IPF Digital (former MCB Finance), a leading online provider of short and medium-term loans. IPF Digital provides loans to customers in Australia,  Europe and Mexico and has approved over 200,000 loans worldwide. IPF Digital owns and operates Credit24 Estonia, Credit24 Finland, Credit24 Latvia, Credit24 Lithuania, Creditea Mexico, Hapi Loans Poland, Creditea Spain

 

Finland
Estonia
Latvia
Lithuania
Poland
Spain
Mexico

 

 

IPF Digital is part of the IPF Group, listed on the London Stock Exchange (IPF).e 2007. As a group, IPF is evolving to meet the changing needs of 2.5 million customers across 12 international markets, providing simple and personalised financial solutions.

 

Why choose us?

  • Easy and fast application. Our Personal Loans and Line of Credit is 100% online with no hidden fees.
  • Flexible and affordable. We offer longer repayment terms to make it more affordable for our customers.
  • Responsible lending. Our detailed application process ensures we’ll lend to those who can afford it, with the amount that they can pay back.
  • Personal touch. We personally assess each application individually to give our customers the personal touch. 

Your Privacy Is a Priority For Us

Your privacy is of utmost importance, and we are committed to protecting the privacy and security of your personal information. Please refer to our Privacy Policy, which explains how we collect, store and use the information you provide us.

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Warning about borrowing
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Warning about borrowing

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© 2022 Credit24, Australian Credit Licence number: 422839

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Website disclaimer:
The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.

For small loans of less than $2,000, the Annual Percentage Rate (APR) is not applicable. Minimum term is 120 days and the maximum term is 12 months. The cost of the loan is a 20% establishment fee on the amount borrowed and a monthly fee of 4% charged on the amount borrowed. For example, a $1,000 loan borrowed over 6 months is a total of $1,440 ($1,000 principle, $200 establishment fee and $240 in monthly interest). Monthly repayment is $240.

For medium loans between $2,100 and $5,000, the APR is between 24% (minimum) – 47.8% (maximum) per annum. Comparison rate of 32.29% to 57.05%. Minimum term is 365 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $5,000 over 24 months with an APR of 47.8%, (comparison rate of 57.05%), will have a establishment fee of $400, weekly repayments of $80.77. Total repayments of $8,400 and total interest payment $3,000.

For large loans between $5,100 to $10,000, the APR is between 24% (minimum) – 47.8% (maximum). Comparison rate of 24% to 47.8%. The minimum term is 365 days and the maximum term is 36 months. There is no establishment fee and the cost of the loan is the monthly interest charged on the amount borrowed. For example, for a $6,000 loan borrowed over 24 months with an interest rate of 24% is a total of $7,543.87 ($6,000 principle and $1,543 in monthly interest). Monthly repayment is $318.09.

For our Line of Credit, there is no establishment fee and cost of the loan is the monthly fee of 2% – 4% charged on the amount borrowed. The minimum APR is 24% and the maximum APR is 47.8%. The maximum term is 36months. For example, $1,000 borrowed over 36 months is a total of $2,440 ($1,000 principle and $1,440 in monthly interest).

* Same day money transferred for applications approved or Line of Credit draw requests during business hours and depending on your bank.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

How much interest charged is based on the loan amount and the loan term. How much someone can borrow will be based the information they provide to us during the loan assessment.

© 2021 Credit24, Australian Credit Licence number: 422839