The total cost
Add up fees, interest and charges so you know the real figure before you accept.
Assessment, not a shortcut
A cash loan with a real review, not a rushed yes
You can apply online through Koala Loans. A credit provider assesses the application; we do not promise a rushed decision.
People often search for a quicker yes. This page will not sell you one. A credit provider reviews each application, and that review takes the time it takes.
What you can do is start the form online, answer the questions carefully, and have recent bank statements ready if they are requested. Incomplete or rushed answers tend to slow things down, not speed them up.
Amounts from $500 to $10,000 may be considered. Any decision, and any later funding, belongs to the credit provider — not to a headline on this URL.
Start with the amount
Move the slider, pick a reason if you have one, then open the form.
Weigh any offer like this
The repayments
Check they fit the rest of your week, not only the first instalment.
The term
A longer term can ease the payment and raise the total. Read both.
Who can apply
We only accept Australian residents as applicants. You may also need to:
- Be 18 years of age or older
- Have a regular source of income
- Have an active Australian bank account
- Have a valid email address and mobile number
Questions on this topic
Is approval automatic?
No. A credit provider assesses each application. This page does not offer automatic approval, or a decision on a set timetable.
How can I help the review along?
Complete the form carefully and respond promptly if more information is requested. That still does not set a deadline on the decision.
How much can I apply for?
Applications may be considered for amounts from $500 to $10,000. The amount, costs and repayment terms of any offer depend on the credit provider’s assessment.
How long does it take?
Application and review times vary. If more information is needed, you may be contacted by email or SMS.