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small-loans.com.au

How can we help you today?

Whether you’d like to explore Small Loans Australia options, check your eligibility, or learn more about our referral services, we’re here to assist. You can start your enquiry online and connect directly with a licensed professional suited to your needs.

We also value your feedback and suggestions — they help us continually improve the Small Loans Australia experience and ensure our services meet the needs of our users.

For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.

Contact Details

Mailing Address:
PO Box 1183
Palm Beach, Queensland, Australia 4221

Office Location:
43 Larch Street
Tallebudgera, Queensland, Australia 4228

Complaints Handling

If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:

For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):

Privacy and Information Handling

Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.

Licensing and Regulatory Information

This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 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).

For more information about licensing and regulatory matters, please visit the ASIC website.

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Personal Loans Articles

The Path to Financial Freedom: Effective Debt Management Tips
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 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
Budgeting Basics: How to Create a Stress-Free Financial Plan
Budgeting Basics: How to Create a Stress-Free Financial Plan
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
How to Boost Your Credit Score Before Applying for a Personal Loan
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
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
A Beginner's Guide to Personal Loans During Financial Hardship
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
Why Having an Emergency Fund is Crucial for Your Financial Health
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
Smart Budgeting Tips to Improve Your Financial Health
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
Creating a Financial Safety Net: Insurance and Savings Tips for Young Families
Creating a Financial Safety Net: Insurance and Savings Tips for Young Families
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

Finance News

Rate Money Announces Rate Reductions for Self-Employed Borrowers
Rate Money Announces Rate Reductions for Self-Employed Borrowers
21 Oct 2025: Paige Estritori
In a move to support self-employed Australians, non-bank lender Rate Money has announced significant reductions in interest rates across its 'Evolve Easy Doc' loan range. Effective from June 30, 2025, the new rates start from 6.64% per annum, aiming to provide more accessible financing options for small business owners and self-employed individuals. - read more
Renown Lending Partners with Marlbury Capital to Expand SME Asset-Backed Loans
Renown Lending Partners with Marlbury Capital to Expand SME Asset-Backed Loans
21 Oct 2025: Paige Estritori
Renown Lending has announced a significant partnership with Marlbury Capital, securing a $100 million facility to expand asset-backed loans for Australian small and medium-sized enterprises (SMEs). This initiative is designed to offer fast, simple, and flexible financing solutions, enabling business owners to seize opportunities, manage cash flow, and stabilize operations. - read more
ASIC Highlights Compliance Issues Among Small Credit Lenders
ASIC Highlights Compliance Issues Among Small Credit Lenders
21 Oct 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
Small Business Lending Surges After RBA's Interest Rate Reductions
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
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
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
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
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
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

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Knowledgebase
Personal Loan:
A personal loan is a loan provided to an individual or individuals (as opposed to a business) and that can be generally be used for a variety of purposes subject to the approval of the lender.


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