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


Apply online

Fill in the online application form 24 hours a day.

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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.

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How 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).

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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.

Loan Cost

We provide a way to help you get on with your life. But like with most things in life, it costs money to set up and provide the loan. We call this fee the 'establishment fee'. There is also a small monthly fee which is based on 4% of the amount we lend you.


• 4% of principal per month, or part there of
• 20% of principal as an establishment fee


  Responsible Lending  

How is Club Money responsible?

We ensure that we only lend to customers who can afford our products and we strictly adhere to rules put in place by ASIC as set out below

Responsible lending conduct

Credit licensees must comply with the responsible lending conduct obligations in Ch 3 of the National Consumer Credit Protection Act 2009.

The key concept is that credit licensees must not enter into a credit contract with a consumer, suggest a credit contract to a consumer or assist a consumer to apply for a credit contract if the credit contract is unsuitable for the consumer.

As a credit licensee, you must decide how you will meet the responsible lending obligations.

RG 209 sets out our expectations for compliance.

Meeting your responsible lending obligations will require taking three steps:

1. make reasonable inquiries about the consumer's financial situation, and their requirements and objectives;

2. take reasonable steps to verify the consumer's financial situation; and

3. make a preliminary assessment (if you are providing credit assistance) or final assessment (if you are the credit provider) about whether the credit contract is 'not unsuitable' for the consumer (based on the inquiries and information obtained in the first two steps).

In addition, if the consumer requests it, you must be able to provide them with a written copy of the preliminary assessment or final assessment (as relevant)."



Start Your Application

!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 before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.