An easy Personal Loan is a type of Loan where, application can be done online 24/7 and, if approved, funds can be transferred on the same day, often within minutes* to eligible OSKO participating banks. It’s a fast and easy option for unexpected expenses that need urgent attention.

You can apply for a Loan online with Credit24. Our 100% digital application takes just a few minutes to complete. We process loan applications Monday to Saturday during business hours (AEST), so applying early in the day can help ensure same-day payout.

Applying for a Same Day Loan with Credit24 is quick and easy. Apply online anytime. Choose your loan amount and term, check your repayments with our calculator, and click “Apply now” to get started.

You'll receive an instant response after submitting your application. If you're conditionally approved, we may request some additional details. Once everything is received, most applications are processed within the hour during business hours (Mon–Sat, AEST), and if your application is approved, funds can be sent within minutes to OSKO participating banks.*

At Credit24, applying for a personal loan typically takes only a few minutes. To complete your application, you'll need to provide essential information, including your mobile number, email address, identification, and three months of bank statements. These details are necessary to ensure your application can be processed efficiently.

Once submitted, your application will be reviewed by our credit assessment team. If any information is missing or requires clarification, we may contact you to confirm details. Ensuring your information is accurate and being available for follow-up can help expedite the approval process.

Yes, you can apply online anytime. However, loan processing takes place between 8am to 8pm on weekdays and 9am to 5pm on Saturdays (AEST). If you apply outside these hours, your application will be reviewed on the next business day.

You may be eligible to apply for a Loan with Credit24 if you are at least 18 years old and an Australian citizen, Australian permanent resident, New Zealand citizen, or an eligible visa holder. You must be employed (full-time, part-time, casual, or self-employed), with income paid into a bank account, earn more than $500 per month, and have a reasonable credit history.

Centrelink payments may be included as part of your income, provided they do not make up the majority of your monthly income (unless you are of pension age).

All applications are assessed individually in line with responsible lending guidelines.

With a Credit24 Surgery Loan, you can apply to borrow between $500 and $10,000. The amount you may be eligible for depends on your financial situation, including your income, expenses, and ability to repay—assessed under responsible lending criteria to ensure the loan suits your circumstances.

Yes, you can apply even if your credit history isn’t perfect. At Credit24, we assess each application individually, considering your current financial situation, not just your credit score. While a lower score may affect your chances, you may still be eligible, subject to responsible lending checks. You can also use our loan calculator to explore potential repayment options before applying.