Personal Loans In as little as  12 Hours

  • Apply Online
  • Fast Approval
  • Bad Credit? No Problem!
  • Cash direct to your bank
You have to agree to Terms & Conditions and Privacy Policy in order to submit an application

Step 1

Help us get to know you by providing us your personal details and finance journey.

Step 2

We will send you a detailed and personalised loan offer for your review and approval.

Step 3

Accept our offer and get your cash within 12 hours.

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000

Terms

12 months

Costs

20% upfront establishment fee

+ 4% monthly fee

Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Loan amount

$2,001 - $4,600

Terms

13 months

24 months

Costs

48% annual percantage rate

67.41% comparison rate p.a.

Example

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000

Terms

13 months

24 months

Costs

21.24% annual percantage rate

48% comparison rate p.a.

Example

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

  • Who is IAFC?

    IAFC was launched in 2014 and since then, we have loaned more than $1.7 billion to over half a million borrowers in Australia. Our purpose is to help and inspire people to reach their goals through our fair and friendly financial products. Having access to cash at the right time can make a huge difference in meeting your personal needs that is why we’re here for you.

  • Is Personal Loan better than extending my mortgage?

    Having low interest rates does not always mean cheaper. Extending your mortgage can hurt your finances in the long run. However, it’s best to do your own due diligence when it comes to your finances. We’re here to help you gauge whether personal loan is better than extending your mortgage, or the other way around.

  • Where can I use my Personal Loan?

    Our borrowers normally apply for personal loans for the following reasons, and you can do too: debt consolidation, home improvements and renovations and car finance