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.

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

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.

Where would you like to go from here?

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.

Small Loans Australia operates monthly prizes and further free stuff through regular promotions and other special offers.

Pay a visit to our associate page to discover how you can generate an income by recommending people to Small Loans.

Personal Loans Brokers and Advisers can find out more information of our customer referral program.

>> Start here >>

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

Interest Rates for Small Loans: Breaking Down the Basics

Interest rates play a vital role when it comes to borrowing money. They determine how much extra you'll pay on top of the amount you've borrowed. - read more

How to Create a Budget That Really Works for You

Budgeting is a foundational skill in the realm of personal finance, and as crucial as setting the sails is to a captain navigating through treacherous waters. Just as steady winds propel a ship towards its destination, a well-structured budget guides individuals towards their financial goals with confidence and control. - read more

Quick Fixes for Common Credit Score Issues in Australia

Credit scores play a crucial role in your financial life, influencing your ability to access loans, credit cards, and even housing rentals. In Australia, your credit score is a numerical representation of your creditworthiness, which lenders use to assess the risk of lending to you. - 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

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

The Smart Borrower's Guide: Understanding Interest Rates on Small Loans

When it comes to borrowing money, whether it's for personal use or for your small business, understanding interest rates is paramount. An interest rate, simply put, is the cost you pay to borrow money. It's typically expressed as a percentage of the principal amount you're loaned. This fee is how lenders earn on the funds they lend and is a key component you should consider before signing a loan agreement. - read more

Smart Budgeting Tips to Improve Your Financial Health

Smart budgeting is one of the most vital tools in maintaining and improving your financial health. It provides a clear picture of your financial situation, helping you make informed decisions about spending, saving, and borrowing. - 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

Tips for Choosing the Right Type of Loan for Your Financial Situation

Loans can play a significant role in shaping our financial landscapes. For many Australians, they are vital tools for achieving milestones like buying a home, financing education, or starting a business. However, selecting the wrong type of loan can have a detrimental impact on your financial health, leaving you with unwanted debt and stress. - read more

Finance News

Understanding APRA's New Cap on High Debt-to-Income Home Loans

08 Dec 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at curbing high-risk lending practices within the housing market. Effective from 1 February 2026, APRA will implement a cap limiting banks to issuing no more than 20% of new home loans with debt-to-income (DTI) ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more

The Rise of Non-Bank Lending Among Australian SMEs

08 Dec 2025: Paige Estritori

Recent trends indicate a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs). A growing number of these businesses are turning to non-bank lenders to meet their funding needs, driven by the desire for more flexible and accessible financing solutions. - read more

The Growing Preference for Buy Now Pay Later Services in Australia

08 Dec 2025: Paige Estritori

In recent years, Australia has witnessed a significant transformation in consumer financing preferences, with Buy Now Pay Later (BNPL) services emerging as a favoured alternative to traditional credit options such as credit cards and personal loans. - read more

APRA's New Debt-to-Income Cap: What Homebuyers Need to Know

30 Nov 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more

NAB's Interest Rate Reduction: A Boost for Australian Businesses

30 Nov 2025: Paige Estritori

In response to the Reserve Bank of Australia's (RBA) recent decision to lower the official cash rate by 0.25%, National Australia Bank (NAB) has announced a corresponding reduction in interest rates for eligible business lending products. Effective from 30 May 2025, new and existing business customers with variable rate NAB Business Options Loans or NAB Business Overdraft products will see their interest rates decrease by 0.25% per annum. - read more

Bizcap's Enhanced Loan Limits: Empowering SMEs with Up to $7.5 Million

30 Nov 2025: Paige Estritori

Australian non-bank lender Bizcap has announced an increase in its lending limits for small and medium-sized enterprises (SMEs), now offering loans up to $7.5 million, up from the previous $5 million cap. This decision comes in response to escalating demand from SMEs across the nation seeking larger financing options to support their growth and operational needs. - read more

AFCA Issues Warning to Small Businesses on Unregulated Lending Risks

14 Nov 2025: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has recently raised concerns regarding the increasing number of small businesses engaging with unregulated lenders. This caution comes in response to a record 4,648 complaints lodged by small businesses in the 2024-25 financial year, marking a 4% increase from the previous year. Notably, 21% of these complaints were dismissed as they fell outside AFCA's jurisdiction, primarily because the lenders involved were not AFCA members. - read more

ATO Debt Rule Changes Prompt Surge in Business Loan Applications

14 Nov 2025: Paige Estritori

Recent changes to the Australian Taxation Office (ATO) debt regulations have led to a significant increase in business loan inquiries among small and medium-sized enterprises (SMEs). Effective from 1 July 2025, general interest charges (GIC) and shortfall interest charges (SIC) on tax debts will no longer be tax-deductible. With the GIC rate currently at 11.17% and compounding daily, this change has prompted many SMEs to seek alternative financing options to manage their tax liabilities. - read more

ASIC Raises Compliance Concerns Among Small Credit Lenders

14 Nov 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has recently expressed concerns regarding the compliance practices of certain small credit lenders. A comprehensive review conducted by ASIC revealed that some providers of small amount credit contracts (SACCs) may be steering vulnerable consumers towards financial products that offer fewer protections, potentially exposing them to increased financial risk. - read more

Click for more Finance News

Need Help Finding a Loan?

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

Knowledgebase

Loan Origination Fee:
A fee charged by a lender for processing a new loan application, typically expressed as a percentage of the loan amount.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.