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

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

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

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

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

Budgeting 101: How to Get a Personal Loan Despite Bad Credit

Smart budgeting is the cornerstone of financial health. It helps you understand where your money is going and empowers you to make informed financial decisions. In Australia, like everywhere else, a well-managed budget can significantly improve your quality of life and financial stability. - 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

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

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

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

Finance News

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

ASIC Highlights Compliance Concerns Among Payday Lenders

06 Nov 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review into the practices of payday lenders, uncovering potential breaches of consumer protection laws. This scrutiny comes in the wake of reforms introduced under the Financial Service Reform Act 2022 (FSR Act), aimed at enhancing safeguards for consumers engaging with small amount credit contracts. - read more

Harmoney Introduces Tailored Small Personal Loans

06 Nov 2025: Paige Estritori

Harmoney, a prominent Australian non-bank lender, has expanded its offerings to include small personal loans designed to meet the diverse needs of consumers. These loans range from $2,000 to $100,000, with interest rates starting from 5.76% per annum, tailored to each individual's credit profile. - read more

Swoosh Finance Delivers Quick Small Cash Loans Online

06 Nov 2025: Paige Estritori

Swoosh Finance, an Australian online lender, is offering small cash loans ranging from $2,200 to $5,000, with a streamlined application process that can result in same-day approval. This service is designed to provide quick financial relief for individuals facing unexpected expenses or short-term cash flow challenges. - read more

RBA's Interest Rate Reduction Fuels Surge in SME Lending

29 Oct 2025: Paige Estritori

The Reserve Bank of Australia's (RBA) recent decision to cut the official cash rate by 0.25% has had a significant impact on the small business sector. In the three months following the February rate cut, small business lending volumes surged by 40% year-on-year, according to data from SME lender OnDeck Australia. This uptick suggests a renewed confidence among small business owners, who are leveraging the lower interest rates to invest in growth and expansion. - read more

Australian SMEs Increasingly Turn to Non-Bank Lenders for Investment

29 Oct 2025: Paige Estritori

Recent findings from ScotPac's SME Growth Index Report reveal a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs). Over half (54%) of SMEs plan to utilise non-bank lenders for business investment in the next six months, marking a notable increase from 47% recorded a year ago. This trend indicates a growing inclination among SMEs to seek alternative financing solutions that offer greater flexibility and accessibility. - read more

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

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

Return on Investment (ROI):
A measure used to evaluate the efficiency of an investment or compare the efficiency of several different investments.

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.