ONLINE LOANS AUSTRALIA

Our Cash Loans are Small Amount Credit Contract (SACC) loans which range from $300 to $2,000. No security is required. Repayment terms can be from 16 days to 12 months.

Our Personal Loans are Medium Amount Credit Contract (MACC) loans which cover amounts from $2,001 to $5,000. Whether an MACC loan requires security (or not) is assessed on a case-by-case basis. The repayment terms can range from 16 days to a maximum of 24 months (with the average term tending to be around 52 weeks). Whether an MACC loan requires security (or not) is assessed on a case-by-case basis.

You can schedule your repayments to be weekly or fortnightly to align with your payday. There are no early repayment penalties. Use our online loan calculator to enter the amount you’d like to borrow and how long you’d like to take to pay it off. The calculator will then show your repayment schedule and the total amount payable before you apply.

Our online loans cost the same as any other Sure Cash loan, including cash loans online.

Our Small Amount Credit Contract (SACC) loans, from $300 to $2,000, have an establishment fee of 20% of the loan amount plus a monthly fee of 4% of the loan amount. There is no annual interest rate.

Example: For a $1,000 loan over 6 months, there is a $200 establishment fee plus a fee of $40 per month. The total fees are $440 and the total repayable is $1,440.

Our Medium Amount Credit Contract (MACC) loans, from $2,001 to $5,000, charge a $400 flat establishment fee plus 48% p.a. interest.

Example: An online loan for $5,000 over a 12-month term would cost:

$400 establishment fee

$1,318.15 total interest (at a 48% p.a. interest rate)

Total repayable = $6,718.15

Weekly payment of approx. $129.20

Comparison rate: ~61.4%PA

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

The repayment amounts and total cost given in this MACC example are estimates based on a first repayment made seven days after settlement. If your first repayment date is later, interest will accrue for longer, and your repayments may be slightly higher. Your exact repayments will be set out in your loan contract.

See our full fee and cost breakdown

The steps to apply for loans online are as follows:

1. Enter the amount you would like to borrow into the online calculator, plus the amount of time to pay the loan off. The calculator will then show your repayment schedule (weekly and fortnightly) and the total amount payable.
2. Apply online by providing personal details, income and expenses, and what the loan is for. Or phone our friendly team on 1300 SURECASH (1300 787 322). Applications can only be made online or by phone.
3. Provide your proof of identity and banking details, including recent bank statements. Why? Responsible lending laws require Sure Cash Finance to check that the loan suits your situation.
4. Once you submit your application, the Sure Cash team will assess it against responsible lending guidelines and contact you with the outcome. If approved, you review and sign the contract.
5. Once your contract is signed, funds are transferred to your account. While our team will act promptly, please bear in mind that your financial institution’s processing times may vary.

Here are the things to have ready when making your application for a loan online:

• Proof of Identity, such as a driver’s licence, passport, Proof of Age card or Medicare card
• Bank account details and recent bank statements
• Income details (such as payslips or a Centrelink income statement)
• Details of your regular living expenses and existing debts
• Mobile phone number
• Email address

Having these things ready helps the assessment to go smoothly, although it does not guarantee a faster or approved outcome.

Why choose us for online loans? Sure Cash Finance is a family-owned Australian lender, licensed under Australian Credit Licence (ACL) 390591 and a member of the Australian Financial Complaints Authority (AFCA, member 43334). We have been in business since 2001. Applications are made online and by phone only.

Our friendly, trained staff assess each customer’s situation individually and provide support for our clients. We approach every interaction with a high level of care and understanding. That’s why our Google rating is 4.8 stars, based on over 454 customer reviews.

About Sure Cash Finance

To independently check if any lender is licensed, search the ACL number on ASIC’s Professional Register.

WARNING: Do you really need a loan today? It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options at: moneysmart.gov.au

Borrowing is not always the right choice for everyone. For one thing, it costs money, and there might be other options that are better suited to your individual situation. A government service for anyone seeking financial guidance or to make better-informed decisions is the Moneysmart website.

You can also access the National Debt Helpline for free, confidential financial counselling on 1800 007 007.

If you are struggling with repayments, Sure Cash Finance has a hardship policy. If you require hardship assistance, contact our team as early as possible to discuss your situation.

Can I apply for a loan online with Sure Cash Finance?

Yes. You can either apply online or phone our friendly team on 1300 SURECASH (1300 787 322). Applications can only be made online or by phone. To apply for a loan online, you must provide your income, expenses and personal details, along with proof of identity, and tell us the purpose of your loan.

Do online loans involve a credit check?

Yes. Per our responsible lending obligations, a credit check for an online loan will occur as part of your application process. A poor credit history does not automatically mean rejection. We will assess your application individually based on your full financial picture, including your ability to repay. Approval is never automatic or guaranteed.

Can I get an online loan in Perth or Melbourne?

Yes. Sure Cash Finance lends online Australia-wide. So, whether you need online loans in Perth or in Melbourne, we’ve got you covered. You can either apply online or phone our friendly team on 1300 SURECASH (1300 787 322).

What happens if I cannot make a repayment?

If you can’t make a repayment, contact our financial hardship team immediately. Provide details about the situation and how long it is expected to last. You could also reach out to the National Debt Helpline or consult resources such as the government’s Moneysmart website.