How Does it Work?
It's easy to apply for a short term loan online. It only takes a few minutes to fill in the simple online application form from your computer, tablet or smartphone. Alternatively, you can call our friendly staff. See our requirements to find out what information you'll need.
Call us
WE CAN HELP YOU. OUR PHONE LINES OPEN between 9am and 9pm.
Call US: 1300 242 274
What info do I need to tell you?
We need to know some basic information about you, specifically your name, address, phone numbers, employer, driver's licence or medicare card, and income amounts. We use this information to help us make the right lending decision for you.
We also need your bank details.
How to Qualify for a short term loan
We have a very simple checklist to prove your eligibility.
You need to be over 18 + years old to apply, and be employed full or part time.
You need to be paid directly into your bank account on a set pay cycle.
You must:
- Be at least 18 years of age.
- Be an Australian resident.
- Be earning more than $250 per week and have received at least 3 consecutive payments from your current employer.
- Have a bank account in your own name.
We will be unable to assist:
- If your bank statements show multiple reversals/dishonours of direct debit payments to other lenders in the preceding 90 days.
- If you have more than two other Small Amount Credit Contract (Loan) active.
- If you fail to declare other loan/s and/or commitments.
- If your bank statements do not demonstrate wages being paid in on a regular day of the week, fortnight or month.
- If your spending habits and income indicate to us that a loan from us may be unsuitable for the you, or may cause you financial hardship.
Can I apply after business hours?
We accept applications 24 hours a day, 365 days a year. Applications received during normal business hours will be responded to asap. Applications received outside normal business hours may not be evaluated until the next business day.
Can I still get a loan if I have bad credit history?
We do check your credit history as part of our responsible lending obligations set out by ASIC but it is unlikely we will reject your application because of a few small defaults on your record. Talk to our customer service representative about your situation. Unlike some other lenders we won't increase your interest rate or turn you away because you have a blemish on your credit file due to having paid a phone bill late a few years ago. We assess you on the information provided to us today and make the decision on your current situation. We can't be fairer than that! In short, don't stress if you have a few marks on your credit file, we will still try to find a way to help you. Club Money regularly approves loans for people just like you, who may have a less than perfect credit history.
Apply NowHow long do I have to wait to get a decision?
About 30 minutes from the time you send the completed application form and documentation (during normal business hours).
Apply NowRepayments
While processing your application, we'll devise a repayment schedule that suits you best. The repayments will come out of your account as a direct debit on the repayment dates. Once you have received your loan, you can check these dates in your loan contract.
Our system will set up an automatic direct debit to withdraw your repayments from the bank account your salary or wages goes into.
In short you don't need to worry about transferring funds to us, we do it for you!!
Your responsibility after that is simply making sure that you have sufficient funds in your account on the nominated withdrawal dates.