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©2026 Credit24

Australian Credit Licence number 422839.

Website disclaimer:
Credit24 is a registered trademark and business name of IPF Digital Australia Pty Ltd (ACN 130 894 405). The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs. If you have received a direct communication from Credit24, it is not an invitation to apply for, or offer to enter into, any of our loan products. Please review the different products on this website and it’s eligibility criteria and terms and conditions, before applying with Credit24.

The content on this website is general information only and should not be relied upon as financial, legal or taxation advice. Content may be created by means of AI/LLM. Credit24 products may not be suitable for everyone. Before making a decision, you should consider the relevant terms and conditions, your own circumstances, and obtain independent advice if required. All loan applications are subject to eligibility, verification, responsible lending obligations and our lending criteria.

Bank logos and trademarks are owned by their respective owners and are displayed for identification purposes only. No endorsement, sponsorship or affiliation is implied.

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.

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 SAAC 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 principal, $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) – 47.9% (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 47.9%, (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.

This comparison rate is true only for the example given and may not include all fees and charges. Different loan products, amounts, terms, fees or charges might result in a different comparison rate.

Comparison rates apply to Credit24 Personal Loans only and do not apply to Small Loans ($500–$2,000) or Credit24's Line of Credit.

For Personal Loans between $2,001 and $5,000, the comparison rate ranges from 32.29% p.a. to 57.05% p.a. and is calculated using the prescribed example of an unsecured $2,500 loan over 2 years, including the applicable $400 establishment fee. For Personal Loans between $5,100 and $10,000, the comparison rate ranges from 24.00% p.a. to 47.90% p.a. and is calculated using the prescribed example of an unsecured $10,000 loan over 3 years.

WARNING: This comparison rate is true only for the prescribed examples and may not include all fees and charges. Different loan products, amounts, terms, fees or charges might result in a different comparison rate.

For large loans between $5,100 to $10,000, the APR is between 24% (minimum) – 47.9% (maximum). Comparison rate of 24% to 47.9%. 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 principal 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 47.9%. The maximum term is 36 months. For example, $1,000 borrowed over 36 months is a total of $2,440 ($1,000 principal and $1,440 in monthly interest).

^Money disbursed in 60 seconds of loans being approved or a withdraw made on a Line of Credit or a Personal Loan to Osko participating banks.

^^A $10 fee applies for each dishonoured direct debit attempt. This may occur up to 2 times for each late fortnightly payment, or up to 4 times for each late monthly payment. If a payment remains unpaid for 30 days, the maximum late fee charged is capped at $50 per calendar month.

^^^Eligible Temporary Residents could include those on a valid Work, Sponsorship or Spouse Visa, or a New Zealand Citizen. Student Visas are not accepted based on internal eligibility criteria.

*60 Day Satisfaction Guarantee: For new loans only. If you're not satisfied, repay the amount you borrowed within 14 days and we'll waive the interest and fees. TMD and T&Cs apply.

Address: 388 George Street, Sydney, NSW 2000.