Short-term cash,
without the
payday trap.
Borrow $200 to $2,000. One flat establishment fee, one monthly interest rate, weekly repayments sized to your budget. No hidden charges, no rollover traps, no games.
All fees shown. Subject to approval. Comparison rate in full disclosure.
Three steps. No paperwork.
Tell us how much
Pick an amount. We'll set a weekly repayment that fits your budget — no guesswork.
Connect your bank
90 seconds via illion. We read 90 days of statements to check you can afford it.
Get approved, get paid
Decision in under 10 minutes. Funds via PayTo, usually same-day.
What you see is what you pay.
We're regulated as a Small Amount Credit Contract (SACC) lender. The law caps what we can charge. We show you all of it — upfront, before you apply.
Full rate card →| Establishment fee | 20% of principal | one-off |
| Monthly interest | 4% per month | on outstanding balance |
| Dishonour fee | $15 | if a direct debit fails |
| Default fee | Capped by NCCP | we don't stack charges |
| Early payout | $0 | pay it off whenever |
Built for fair, built for fast.
We read bank statements, not credit bureaus.
90 days of real income and spending tells us far more than a thin credit file — and most of our customers have thin files anyway.
No rollovers. Ever.
When you repay, you repay. We won't auto-roll you into a new loan at maturity. The NCCP caps we live under say we can't, and we wouldn't.
If things change, we'll help.
Lost your job? Medical emergency? Let us know. Our hardship pathway is a one-pager, not a phone tree.
Ready when you are.
Typical application takes 8 minutes. Decision within 10. Funds same-day.
Apply now →