Pay back your loan sooner

Want to free yourself up by paying back your loan sooner? We give you the option to pay back your loan prior to the maturation date - meaning that you only have to borrow money for as long as you actually need it. Because you're borrowing money for less time, you'll also save on interest.

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Top up your loan

Need a little extra cash? We give you the option to borrow an additional amount on top of your original loan. You can also extend the duration of your original loan at the same time - meaning that you can have extra money in your hands whilst also decreasing your regular repayments.

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Take a Loan Holiday

Want to take a break from your repayments? We give you the option to take a month off from your regular loan repayments. Another month is simply added to the initial maturity of your loan, giving you some extra time to take a break.

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Extend your loan

Need a little longer to pay back your loan? We give you the option lower your repayments and extend the period of your loan, making it easier for you to repay.

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Our Pricing

Our pricing is categorised into two tiers and varies based on how long you want your repayments to be spread over. SACC (or Small Amount Credit Contracts) are not based on interest, but a fixed fee structure from the example below. Larger loans have a maximum comparison rate of 70% and maximum APR of 48%, which lowers depending on the loan size and term. See some examples below and for a full disclosure of our fees and rates, please see our Personal Loan Pricing Table.

$600 over 6 months

Our small amount loans (under $2000) are all limited to a fixed fee structure which doesn't include an interest rate or comparison rate. The fee structure is up to 20% establishment fee and a 4% monthly service fee. These fees vary, so for more information, please see our Personal Loan Pricing Table.

$3000 over 12 months

Our larger loans fees include charges which are based on an establishment fee (up to $400), plus a 4% monthly interest rate. This equates to an APR of up to 48% (comparison rate up to 136.66%) and will vary depending on how long you want to spread your repayments over. For more information, please see our Personal Loan Pricing Table.