Small Loans Australia is part of the Financial Services Online network, owned and operated by Clark Family Pty Ltd (A.C.N. 010 281 008). We are dedicated to helping Australians connect with reputable providers of financial, credit, and insurance products and information online.
Small Loans Australia operates as an introducer and referral service. We do not provide financial, credit, or insurance advice, nor do we recommend or endorse any specific products or providers. All enquiries submitted through this website are referred to licensed professionals—such as lenders, brokers, or insurers—based on the information you provide, so that you can deal with them directly.
In some cases, Small Loans Australia or Clark Family Pty Ltd may receive a referral fee or commission from the third-party provider in consideration for facilitating the introduction. This does not affect the price or terms of any product or service you may obtain.
All information, articles, tools, and calculators published on this website are provided for general information purposes only and do not take into account your objectives, financial situation, or needs. You should not rely on this information as a substitute for independent advice from a suitably qualified and licensed professional.
Before acting on any information or applying for a product referred to by Small Loans Australia, you should consider whether it is appropriate for your circumstances and, if necessary, seek personal advice from a qualified adviser, broker, or intermediary.
Our role is to connect consumers with licensed professionals and to facilitate access to specialist finance, credit, and insurance solutions across Australia.
Australian Financial Services & Credit Licensing Information
This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
You can verify our authorisations and licensing details via the ASIC website.
Follow us!
We are a proud member of the Financial Services Online network!
Connect with us on your favourite social media platform for the latest financial news, views, tips, tricks, resources and information.
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
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
Budgeting is often seen as a restrictive practice, something that curtails fun and spontaneity. However, the truth is quite the contrary. Proper budgeting is a fundamental aspect of nurturing financial well-being. It's about understanding your income, controlling your spending, and ensuring that you prioritize saving and investing. A well-crafted budget can lead to a stress-free financial life by giving you a clear view of where your money is going and where you can potentially save. - read more
Welcome to our blog! For young families, securing your future often requires careful planning and prudent financial decisions. One of the most crucial steps you can take in this journey is creating a financial safety net. - read more
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
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
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - read more
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
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
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
The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review of the private lending sector, uncovering several areas of concern. The investigation revealed inconsistent and unclear reporting, downplayed risks, opaque fee structures, conflicts of interest, and poor valuation practices within the industry. - read more
In a significant development for Australia's small business sector, OnDeck Australia has reported a remarkable 246% year-on-year increase in broker-originated small business loans funded in November 2024 compared to the same month in 2023. This surge underscores a renewed confidence among small and medium-sized enterprises (SMEs) in leveraging broker channels for their financing needs. - read more
The Australian Financial Complaints Authority (AFCA) has issued a cautionary advisory to small businesses regarding the risks associated with engaging unregulated lenders. This warning comes in response to a notable increase in complaints that fall outside AFCA's jurisdiction, leaving many business owners without recourse when disputes arise. - read more
In response to Australia's burgeoning small business sector, non-bank lender So Money has unveiled new lending solutions specifically designed for self-employed borrowers and small and medium-sized enterprises (SMEs). This strategic expansion aims to simplify the income verification process and provide more flexible financing options to a traditionally underserved market. - read more
In recent years, non-bank lenders have significantly increased their presence in the Australian small and medium-sized enterprise (SME) financing sector. As of early 2025, these lenders account for 26% of smaller loans to SMEs, marking a notable shift in the financial landscape. - read more
Australian small and medium-sized enterprises (SMEs) are currently grappling with significant cashflow challenges, primarily driven by rising operational costs. Factors such as increased wages, inflation, and higher interest rates have placed considerable strain on these businesses, affecting their financial stability and growth prospects. - read more
OnDeck Australia has reported a remarkable 246% year-on-year increase in broker-originated small business loans funded in November 2024 compared to the same month in 2023. This substantial growth underscores a renewed confidence among Australian small and medium-sized enterprises (SMEs) in seeking financial support through broker channels. - read more
The Australian Financial Complaints Authority (AFCA) has issued a warning to small businesses regarding the risks associated with engaging unregulated lenders. This caution comes in response to a notable increase in complaints related to lenders not covered by the Credit Act and who are not members of AFCA. - read more
