Medium Cash Loans

A medium cash loan is a personal loan of between $2,000 and $5,000 – bigger than our fixed-fee small loans, but smaller than our $5,000 to $10,000 large personal loans.

Our medium loans can be secured or unsecured and used for pretty much anything. For instance, you might take out a $3,000 medium personal loan to secure a deal on a holiday. Or to spread the cost of school or education fees. Or to cover an emergency expense.

What’s more, because we personalise the way we structure our loans to uphold our responsible lending commitment and keep our low interest rates as competitive as possible, we can arrange a loan even if you have a less than ideal credit history. Read more about our bad credit cash loans.

Whatever you want. We’re here to help you get the money you need to get on with life – quickly, easily and responsibly. Our customers across Australia come back to us time and again for low interest medium loans to cover or spread the cost of all sorts of things, such as:

• A deposit for a holiday or holiday expenses
• Moving expenses or the bond for your new home
• Clothes or school uniforms
• Dental or medical expenses
• Consolidating your debts into one easy low interest loan

Whether you need a $3,000 loan to make some home repairs or improvements, or a $5,000 personal loan to spread the cost of a once-in-a-lifetime holiday, we’re here to structure your loan to suit you. Low interest. Highly personalised. All online. No unnecessary delays.

As one of Australia’s largest non-bank lenders, we aren’t simply here to lend you $2,000, $3,000 or $5,000 today. We’re here to look after your long-term best interests and make sure you get a fair go. That’s why all of our personal loans are personalised. It means you can rest assured that you’ll:

• Be able to manage the repayments and maintain or improve your credit score
• Benefit from low interest rates that minimise your borrowing costs
• Have a repayment schedule that works for you (3-12 months)
• Be able to pay off your loan early, without penalty – no early repayment fees
• Never be caught out by hidden costs or fees
• Enjoy even better rates and fee discounts as a loyal customer.

It’s all part of our responsible lending commitment to do the right thing, providing low interest personal loans that help you move forward with confidence.

Our medium loans range from $2,000 to $5,000, but it’s worth remembering we also offer fixed-fee small loans, as well as low interest large loans from $5,000 to $10,000.

No matter how much you want to borrow, you can apply online in minutes. Alternatively, call us on 1300 324 746 or contact us via live chat – our friendly team is right here in Australia, ready to answer your questions and ensure you get a fair deal on your personal loan.

To apply for a personal loan online, you’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment.

Worried about your credit history? Don’t fret, we may still be able to help you, whether you have been bankrupt, had a Part IX debt agreement or simply have a less an ideal credit score. Find out more about our bad credit loans.

You can apply for medium personal loans online in minutes. Our smart, secure application system ensures your application is processed fast. You’ll get a conditional decision from our friendly team the same day, which you can accept via SMS. No printing, signing and scanning. No delays.

And with the help of our free and secure bank statement service you can provide your supporting documentation in double quick time. Assuming you’re approved, you’ll receive your funds direct into your account from our real-time payments platform which delivers cleared funds within minutes.

Everything about our medium personal loans is personalised to suit you, minimise your borrowing costs and take the stress out of repaying your loan. That’s why we offer flexible repayment options – you can pay off your $2,000 to $5,000 loan over the course of 3-12 months.

1. Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
2. A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
3. Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
4. Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.

Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.

How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.

Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.

Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.

The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.

The usual waiting time to receive your loan application outcome is between 24-48 working hours.