Home Improvement Funds

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Warning about borrowing

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:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments
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.
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Home Improvement Funds

APPLY NOW

Warning about borrowing

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:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments
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.
Login
Apply Now
Subject to lending criteria and suitability checks.
Terms and fees apply.

urgent loan required?

Need some money for Home Reno?

We frequently encounter challenging situations that require quick access to cash, whether it’s an urgent need for a $600 loan or a $3000 loan to improve your house. Fortunately, we have a solution. We provide quick cash loans, enabling you to obtain the funds you need immediately, so you can begin your home improvements without delay.

Subject to lending criteria and suitability checks. Terms and fees apply. Loans between $500 and $5,000.Payment made within 1 hour for contracts approved and accepted by 2pm AEST on business days. Subject to your Financial Institution.
APPLY NOW

Warning about borrowing

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:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments
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.
Login
Apply Now

HOW IT WORKS

1
The first step is to complete the easy online application. There aren’t as many steps as you think! Plus it’s automated to supply your information. With your permission of course!
2
The second step is automated through our intelligent software that can give you a decision in a mere matter of minutes! We think that’s pretty fast!
3
The third and final step could see your loan, sitting in your bank account, ready to use. Now that’s a simple process!
APPLY NOW

Warning about borrowing

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:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments
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.
Login
Apply Now
Subject to lending criteria and suitability checks.
Terms and fees apply.

Here are some examples of why you might need a small loan for home improvements:

  1. Emergency Repairs: Fixing a leaky roof or broken water heater to prevent further damage.
  2. Safety Upgrades: Installing handrails or improving lighting to enhance safety for family members.
  3. Appliance Replacement: Purchasing a new refrigerator or washing machine if the old one breaks down.
  4. Painting and Decorating: Freshening up your home’s interior with new paint or minor decor changes.
  5. Minor Renovations: Updating a bathroom with new fixtures or adding storage solutions to a kitchen.
  6. Energy Efficiency: Replacing old windows or adding insulation to reduce energy bills.
  7. Outdoor Improvements: Repairing a damaged fence, adding a small patio, or improving landscaping.
  8. Pest Control: Addressing a termite problem or other pest issues that require immediate attention.

These small improvements can enhance the comfort, safety, and value of your home.

Contact Us

if you have any question please don’t hesitate to contact us

    FEE & CHARGES

    Fees and charges are made crystal clear so you’re always Ready in a Flash!

    Mini Flash Loan Fee

    (If the principal amount you borrow is between $500 and $2,000) You will only be charged the loan establishment fee and the monthly loan fee when making payments on time. If you miss any repayments, a Dishonour and Default Fee will apply

    Loan Fees And Charge

    Establishment Fee Payable once off per loan 20% of principal
    Monthly Loan Fee Where there is an outstanding debt balance, charged per month of part thereof 4% of principal per month

    Fees that may apply

    Dishonour Fee Charged each time a direct debit or other payment is not made in full or on time. This fee includes any reasonable $20.00
    Default Fee Daily recovery fee to cover reasonable costs of administrating your account while your account remains in default $5.00
    Reschedule Fee Charged each time on a repayment is rescheduled. This is a service fee which our reasonable internal administrative costs $20.00

    Super Flash Loan Fees

    (If the principal amount you borrow in between $2,001 and $5,000) You will only be charged the loan establishment fee and the interest charges calculated based on the applicable interest rate when making payments on time. If you miss any repayments, a Dishonour and Reschedule Fee will apply

    Loan Fees And Charge

    Establishment Fee Payable once off per loan $400.00
    Interest Rate This is the annual percentage rate. Interest accrues daily, and is charged monthly in arrears- on the outstanding balance of your loan 47.6185% p.a.
    Comparison rate* 65.6597% p.a.

    Fees that may apply

    Dishonour Fee Charged each time a direct debit or other payment is not made in full or on time. This fee includes any reasonable internal and administrative costs and external third party cost $20.00
    Reschedule Fee Charged each time on a repayment is rescheduled. This is a service fee which our reasonable internal administrative costs $20.00
    APPLY NOW

    Warning about borrowing

    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:
    • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor
    • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
    • If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments
    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.
    Login
    Apply Now
    Subject to lending criteria and suitability checks.
    Terms and fees apply.
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