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Costs

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$300
AUD
12 months
$9.67
$19.33
$42
Important information Read me first
Click hereto see a worked example

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%.

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.

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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%.

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.

Example of how Small Personal Loans Work

Loan Amount

MIN

$300

MAX

$2,000

Cost

Up to 20% establishment fee
+ monthly fee up to 4%

Max comparison rate between $300 & $2000 is 199.43%

Term

MIN-MAX

12 Months

Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments).

$1,000 (Principle Amount)
+ $200 (Establishment Fee)
+ $240 (reducing interest)

= $1,440 total repayable over 6 months
with weekly instalments of $57.60.

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.

Further Information

For more information about the allowable fees and charges for SACCs & MACCs visit the Moneysmart website.

Example of how Medium Personal Loans Work

Loan Amount

MIN

$2,001

MAX

$4,600

Cost

Annual Percentage Rate (APR) is 48%.
Comparison Rate is 67.41% P.A.

Fees and charges are payable

Term

MIN

13 Months

MAX

24 Months

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 instalments of $61.27.

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.

Further Information

For more information about the allowable fees and charges for SACCs & MACCs visit the Moneysmart website.

Example of how Large Personal Loans Work

Loan Amount

MIN

$5,000

MAX

$30,000

Cost

APR is 21.24% Maximum.
Comparison Rate is 48% P.A.

Fees and charges are payable

Term

MIN

13 Months

MAX

24 Months

Example

Loan Amount of $30,000 over 24 months repayable weekly (104 weekly repayments).

$30,000 (Principle Amount)
+ $5,577.12 (reducing interest)

= $15,577.12 total repayable over 24 months
with weekly instalments of $149.78.

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.

Further Information

For more information about the allowable fees and charges for SACCs & MACCs visit the Moneysmart website.