New project, new hobby, great idea or side hustle you want to breathe life into? Get your plans off the ground with a better personal loan. Sharp rates, no hidden fees, and simple online application – just fast, fair lending.
6.95% - 15.95% p.a.
Interest Rate Range - disclaimer: The actual interest rate charged to you will depend on your personal circumstances, the type of lending required, the security provided and is determined by the lender. Standard lending criteria, terms, conditions and fees apply, including an establishment fee of up to $995 applies.
From the least to the most you could expect to pay, we tell you straight away. No hidden rate ranges. No surprises.
Zero Hidden Fees
No hidden finance costs. Understand your offer before you commit. We believe in keeping lending simple.
Save On Interest Costs
The better way - Make lump sum payments when it suits you. Pay off your loan faster and save interest. That’s better borrowing.
We’re minutes fast. We keep it breezy
We built our approach with you, and your time, in mind. If you’re looking for a fast approval decision, we can have an answer in minutes. Plus, at better there’s no need to email bank statements or copies of your ID - our smart tech does the work for you, saving you time and hassle. From our quick three-minute application, right through to transferring the funds, we’ve got your time in mind.
We add the personal touch
We hand-picked our 20+ team with some important attributes in mind: experts at structuring loans for individual needs (of course), and folk that love chatting with customers, to get to the heart of what will work for their specific needs.
When you apply with better, you’ll get a call from one of the team to talk through your needs and discuss your personalised rate. It doesn’t take long, but in our book, it’s the most important step in making sure you get the best out of better lending.
We champion better-borrowing
We took a good look at lending, and came up with something better.
Like to pay off your car loan faster? We’ve designed loan features to help you do just that. Like to know what you’re signing up for with no hidden surprises? That’s how it should be. And like to put your money on principle and interest, not a long list of ongoing fees? We agree – there’s no ongoing fees with better; not one.
What can we help you make happen?
Big goals, personal possibilities and everything in between. How can we help you?
Apply in three minutes
Fast application decisions
Smart loan features to help pay off debt faster
No deposit finance available
Leading low interest rates and no surprises
Funds transferred in less than 24 hours
Personal loans – the details
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.
How much can I borrow?
Our minimum loan amount is $3,000 and maximum is $100,000. How much you can borrow within this range depends on your personal circumstances and affordability. It’s important to borrow only what you need and to ensure you can comfortably meet your repayment obligations for the term of your loan. Our team is expert at helping you determine your personal borrowing sweet spot.
How long does it take to approve the loan?
We work hard with our clients to collect all the right information up front before we assess the application. Helping us to approve loans faster, usually within the hour.
Can I consolidate existing debt into my new loan to have one payment?
Yes. Debt consolidation loans are very common and are a great way to help people budget better, get on top of their outgoing payments and pay off debt faster and usually at a combined lower rate of interest.
What are repayments and what is the frequency?
The repayments of a loan are determined my a couple of factors. Mainly amount borrowed, interest rate and the term of the loan. We have a great calculators for you to run the numbers and see how these factors can suit your budget. Repayments can be made weekly, fortnightly or monthly via direct debit.
How long does it take to get money in my account?
Using innovation and smart technology we can have loans funded on the same day as approval. Banks have their own processing times for the money to show up in your account, but usually received that same night.
Have a question? We’re here to help
Our 20+ strong team are better-borrowing champions – we’re for any questions, big or small.
One of the team will call you asap within business hours
1.* Rates of 6.95% subject to lending criteria and eligibility. 1 hour approval and same-day payout subject to the applicant meeting the lending criteria and supplying all the required information to process the loan application. 2. Our lender will independently assess whether you are eligible for a loan. We don't provide advice on whether a particular car loan offered by a lender is suitable for you.