Small Loans Australia

... helping Australians to finance a better future

Get Small Loans Under $10,000 ... Fast & Flexible Financing

Small Loans Australia is the nation's premier online Personal Loans service specialising in secured loans and unsecured loans for amounts up to AUD $10,000.

We provide fast, efficient access to the most outstanding Small Loans Specialists, assessments, quotes, choices and advice ... regardless of your credit history.

All finance quotes are provided free (via our secure server) and without obligation. We respect your privacy.

Any Loan Type

Simply complete our quick and easy Small Loans Australia Personal Loans Assessment form for an indication of your loan eligibility (without accessing your credit file) - and free access to the best value Personal Loans rates and product pointers from an exhaustive cross-section of Australia`s pre-eminent and best known Personal Loans professionals.

At Small Loans Australia we understand that you have much more interseting things to do with your day than researching Personal Loans quotes and advice. So we aim to help do it for you. Fee free and with no risk or obligation on your part.

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While you are visiting, you might want to check out the latest Personal Loans news headlines ... or browse our comprehensive knowledebase of Personal Loans articles.

We also offer a range of financial calculators for your free use.

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Warning to Borrowers: Unsecured personal loans

The following information is specific to unsecured personal loans.

Minimum period for repayment 6 months, maximum period 5 years.

The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.

For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.

Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Personal Loans Articles

How to Boost Your Credit Score Before Applying for a Personal Loan

Your credit score is a numerical representation of your financial trustworthiness. Lenders use this score to assess the risk of lending you money. - read more

Bad Credit? Here's How You Can Still Get a Competitive Personal Loan

In the landscape of modern finance, credit scores can often feel like gatekeepers to our goals, barring or granting access to essential funding when we need it most. The truth is, debt is as common as it is complex, threading through the lives of many with silent tenacity. Understanding its prevalence is the first step in navigating the choppy financial waters it can create. - read more

Why Having an Emergency Fund is Crucial for Your Financial Health

Imagine being hit with an unexpected expense like a car repair or medical bill. Without a financial buffer, such surprises can wreak havoc on your budget. This is where an emergency fund plays its heroic role. - read more

The Path to Financial Freedom: Effective Debt Management Tips

Financial freedom is the ability to live life without being burdened by the stress of money woes. Imagine having enough savings to cover emergencies, living comfortably without constant financial anxiety, and even planning for retirement confidently. This is the goal many Australians strive for – a peaceful and secure life that isn't dominated by worries about bills and debt. - read more

Debt Consolidation Strategies: How to Regain Control of Your Finances

Debt can often feel like a formidable obstacle on the path to financial stability. Many individuals battle with various forms of debt, from high-interest credit cards to significant loans that seem to have an unyielding grip on their financial lives. Recognizing the challenges that debt presents is the critical first step towards regaining control of your personal finances. - read more

Understanding the Key Differences Between Secured and Unsecured Loans

In simple terms, a loan is an amount of money you borrow from a lender and agree to pay back over time, often with interest. Loans come in various forms and can be tailored to suit different needs, such as buying a home, financing a car, or consolidating debt. - read more

Avoiding Common Pitfalls in Personal Loan Utilization

Personal loans can be a valuable financial tool when used wisely. They can help you cover unexpected expenses, consolidate debt, or even fund major purchases. However, it's crucial to understand the implications of taking out a personal loan, especially if you have bad credit. - read more

A Beginner's Guide to Personal Loans During Financial Hardship

Welcome to our beginner's guide on personal loans during financial hardship. Navigating financial challenges can be overwhelming, but personal loans could serve as a viable solution. This article will cover what personal loans are, how they work, and why they might be beneficial during tough times. - read more

Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals?

The landscape of personal financing is broad and varied, particularly in the Australian market where individuals have access to an array of loan options. When considering lending, the fundamental distinction to comprehend is that between 'secured' and 'unsecured' loans. - read more

Finance News

Small Business Lending Surges After RBA's Interest Rate Reductions

13 Oct 2025: Paige Estritori

In a significant development for Australia's small and medium-sized enterprises (SMEs), recent interest rate cuts by the Reserve Bank of Australia (RBA) have led to a notable increase in small business loan applications. This trend underscores a renewed sense of optimism among business owners, eager to leverage more favourable borrowing conditions to drive growth and expansion. - read more

Expansion of Private Credit Market Opens New Financing Avenues for Australian SMEs

13 Oct 2025: Paige Estritori

The Australian financial landscape is witnessing a significant shift as the private credit market experiences substantial growth, offering small and medium-sized enterprises (SMEs) alternative avenues for financing. This expansion is particularly noteworthy in the context of traditional banks tightening their lending criteria, leaving many businesses in search of accessible funding solutions. - read more

Reserve Bank of Australia Advises Caution on Borrowing as Rate Cuts Loom

13 Oct 2025: Paige Estritori

As the Australian economy anticipates potential interest rate reductions, the Reserve Bank of Australia (RBA) has issued a cautionary note to households, advising against excessive borrowing that could lead to financial instability. This advisory comes amidst a backdrop of economic recovery efforts and aims to prevent the emergence of a boom-bust cycle driven by unsustainable debt levels. - read more

Westpac's Strategic Expansion in Business Banking

05 Oct 2025: Paige Estritori

Westpac Banking Corporation has announced a significant expansion in its business banking division, with plans to recruit 350 new bankers over the next two years. This strategic move is part of Westpac's concerted effort to reclaim its leadership position in Australia's business lending market. - read more

New Credit Check Requirements for BNPL Services in Australia

05 Oct 2025: Paige Estritori

The Australian government has introduced new legislation mandating that buy-now-pay-later (BNPL) providers conduct credit checks on borrowers. This move aims to align BNPL services with traditional credit providers, enhancing consumer protection and financial transparency. - read more

APRA's Decision to Retain the 3% Serviceability Buffer

05 Oct 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced its decision to maintain the 3% serviceability buffer for home loan lending. This buffer requires lenders to assess a borrower's ability to meet loan repayments at an interest rate 3% higher than the current rate, ensuring borrowers can withstand potential rate increases. - read more

Government Extends Small Business Lending Exemption to 2026

27 Sep 2025: Paige Estritori

The Australian government has announced an extension of the exemption from Responsible Lending Obligations (RLOs) for small businesses, now set to continue until October 3, 2026. This decision aims to facilitate easier access to credit for small and medium-sized enterprises (SMEs), recognizing their pivotal role in the national economy. - read more

AFCA Releases Guidance on Small Business Lending Complaints

27 Sep 2025: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has published its 'Approach to Lending to Small Business,' providing comprehensive guidance on how it considers complaints related to small business lending. This initiative aims to offer clarity and transparency for both financial firms and small business owners navigating lending disputes. - read more

Afterpay Reports BNPL Users Advised to Close Accounts for Mortgage Approval

27 Sep 2025: Paige Estritori

Afterpay, Australia's leading buy-now-pay-later (BNPL) provider, has reported that over 10% of its surveyed users were advised to close their BNPL accounts to qualify for a mortgage. Subsequently, these users were offered credit cards by the same banks or mortgage brokers, highlighting the competitive dynamics within the consumer finance sector. - read more

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Knowledgebase

Liquidity:
The ease with which an asset or security can be converted into cash without affecting its market price.

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