Use what you need, when you need it

Our Products, Your Choice

We understand that everyone’s needs are different so we have developed two types of loans to suit your lifestyle.

Choose ‘Fixed’ a traditional personal loan with a start and end date. Ideal for when you know how much you need to borrow and want to manage your repayments.

Or choose a ‘Flexible line of credit, ideal if you need an extra cash injection in the short term but may want a little bit extra every now and again further down the line. Choose what works for you.

 
 

  • Repayments
  • Approval time
  • Access future funds
  • Setup Fee
  • Monthly Fee

Flexible
Line of Credit

Fixed
Personal Loan

  • Fixed at start of loan
  • Up to 3 days
  • Must re-apply
  • up to $400
  • up to 4%
  • Apply Learn More

*If your application is received on a business day before 2pm.

Keeping your information secure

We take all reasonable steps to ensure that your personal information is protected.

Choose a Flexible Line of Credit

Line of Credit Features and Costs

Withdraw and repay back your balance at your leisure. Keep it for a rainy day or withdraw the full amount and take your time repaying it. Free to keep in your back pocket and flexible to use when you need it.

Flexible Line of Credit

  • Loan Amounts $50-$10,000
  • Establishment Fee $0
  • Monthly Service Fee $0
  • Interest 48% p.a
  • Withdrawal Fee $0
  • Maximum repayment period 36 months

Start Application

Choose a Fixed Personal Loan

Personal loans features and costs

Small Loans

  • Loan Amounts $500 - $2,000
  • Establishment Fee 20%
  • Monthly Service Fee 4%
  • Interest Not Applicable
  • Terms 6-12 months

Small personal loans for when you’re just a bit short and you need cash fast. Pay it back over 6 to 12 months, or as early as you like. No early payment penalty applies.

Medium Loans

  • Loan Amounts $2,100 - $5,000
  • Establishment Fee $400
  • Monthly Service Fee $0
  • Interest 48% p.a
  • Terms 12-24 month

Medium personal loans are the best loans when you need cash fast for a big purchase, such as household goods or a holiday. Pay it back over 12 to 24 months, or as early as you like. No early payment penalty applies.

Large Loans

  • Loan Amounts $5,100 - $10,000
  • Establishment Fee $0
  • Monthly Service Fee $0
  • Interest 48% p.a
  • Terms 12-36 months

When you need a little more for those larger unexpected expenses. Spread out your repayments over 12-36 months, or pay it back as soon as you have the money, it’s up to you. We don’t penalise you with fees for early repayments.

Start Application

We’ve got nothing to hide, no nasty surprises.

We make every effort to be clear on costs.

If you think you are going to miss a payment, please contact our customer care team or alternatively email us at payments@credit24.com.au as soon as possible. We will work with you in order to minimise any additional fees being charged to your account.

Other fees that you should be aware of are below:

Fees Amount Description
Late Payment Fee  $10 Charged every 7 days if your repayments aren’t met.