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Get your personal loan in 3 easy steps



Apply Online

Our online application is straightforward and easy to understand so applying is quick and easy. You just need some personal details ready to go and a few minutes of your time. Find out more about how our personal loans work here and then apply online when you're ready.


We review it

We work hard to review all applications as soon as possible so you can get an answer quickly. During business hours, we review all applications within half an hour of receiving them. Once we've reviewed your application, we'll get in touch with you to let you know the outcome.


Get your loan

Once you've been approved, we get in touch to finalise your personal loan. After that's done, we send you the funds immediately. Transfer times depend on your bank, but you may be able to apply and get your personal loan funds on the same day.

Easy, flexible personal loans for all kinds of situations.

  • How it works
  • Fast approvals
  • Flexible repayments
  • No hidden fees
  • Responsible lending

Our personal loans are quick and easy to use.

You can get a personal loan for any situation. Whether you need to buy a car, consolidate your debt into one easy payment, or any other situation, a personal loan could be a suitable option for you.

Our loans are simple. You tell us how much you want to borrow and the period of time you want to repay it over, from [x] to [y] years. If you're approved, you will have regularly scheduled repayments which are debited from your bank account.


Get your personal loan when you need it. We won't keep you waiting.

Our team reviews all persona loan applications within 30 minutes of receiving them during regular business hours. You can still apply outside of business hours and we'll get to your application first thing on the next business day.

We try to make every part of our process fast, so once you're approved and the personal loan is finalised, we transfer the funds immediately. In some cases, you can get your funds on the same day you apply.

quick loans

life is full of unexpected surprises, that's why we're flexible.

We know that circumstances change over time, and sometimes your personal loan needs to change as well. If you're having trouble making your repayments, get in touch with us and we may be able to restructure it so that it's more manageable for you.

If you want to make extra payments or pay off your loan early, then you can do that too.

easy repayments

We're upfront with all our fees, so you know what you're getting.

We don't believe in trying to trick people or charging unfair or unnecessary fees. That's why we don't charge late payment fees if you contact us.

You can see all our fees information here. If you have any questions, you can get in touch with us and we'll be happy to help.


We take our responsible lending obligations seriously.

Club Money is a licensed lender, which means our fees, policies, and practices are regulated by the Australian government.

Responsible lending means we don't approve personal loans if they are going to be unsuitable or unaffordable for the customer.

Personal loans for all situations

Personal loans can help you buy your new car, pay for home renovations, consolidate your debt, or any other situation. Whatever you need, a Club Money personal loan can help.

If you have more questions about how our personal loans work, you can find out more here or get in touch with us and we'll be happy to help.

If you're ready to get your personal loan, apply online today.



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.