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Why Choose Friendly Finance?

Simple Online Application

Simple Online Application

All credit welcome

All credit welcome

Fast Process

Fast approval decision

What our customer have to say

"I applied for a loan with Friendly Finance and had the money I needed within the day. The application process was super quick and the money was a life-saver.",
Samantha - Melbourne

"I had trouble with part of the application process and reached out to support for advice. I received a quick reply and it resolved the issue. Thanks."
Kelly - Sydney

"Found me the loan I was looking for. I Couldn’t have asked for more."
Mark - Newcastle

Loan Information

Loan Amount

$300 - $2,000


Minimum 3 Months - Maximum 12 Months


20% upfront establishment fee + 4% monthly fee
In APR terms, the maximum annual percentage rate on these SACC loans between $300 and $2000 is 199.43%

Representative Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Dislaimer: Under the current legislation, most small personal loan providers don’t charge an annual interest rate% (you’ll know this as an APR). The maximum you will be charged is a flat 20% establishment fee and a flat 4% monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%

Loan Amount

$2,001 - $5,000


Minimum 13 months - Maximum 24 months


Maximum 48% annual percentage rate (APR)
67.41% comparison rate p.a.
In APR terms, the maximum annual percentage rate on these loans between $2001 and $5000 is 48%

Representative Example

Based on a Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount

$5,001 - $15,000


Minimum 13 months - Maximum 72 months


Minimum 5.75% - Maxmimum 48% annual percentage rate (APR)
6.47% - 48% comparison rate p.a.
In APR terms, the maximum annual percentage rate on these loans between $5001 and $15000 is 48%

Representative Example

Based on Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Frequently Asked Questions

Short-term loans are loans with a principal ranging between $200 – $2000, with repayment terms between 16 days and 12 months. Repayment typically involves a direct debit from a borrower’s bank account, or a deduction from their pay. Lenders who offer short-term loans are required by law to display a warning that provides other borrowing options than a short-term loan.

Consumers facing a cash shortfall between paydays may consider taking out a short-term loan, as they provide relatively fast access to cash. This might be done if the borrower doesn’t have a credit card or overdraft facilities, or any other fast access to funds. Short-term loans are a relatively expensive solution, however, so the decision to take out a short-term loan should include close assessment of all fees, charges, and interest costs involved.

The majority of short-term loans available in the market can be applied for online. There are still a number of store-front lenders throughout Australia where consumers can apply in person. The application process tends to vary depending on the lender, although most lenders online provide similar functionality to select the loan amounts and repayment terms. Lenders may also ask applicants to input their credit rating which may affect the amount of interest applied to the loan. Applicants will need to provide the following information:

  • Personal contact details, including a form of identification and the reason for the loan
  • Details of employment, including salary, payslips, payment frequency and evidence of your regular income (if self-employed, you may need to provide some evidence of business activity statements or tax verification)
  • Information about pre-existing debts, credit or other assets
  • Details of any Centrelink payments, or another social benefit.
  • Lenders, on occasion, may request additional documentation not listed above. In most cases a decision is likely to be made within a few minutes, however, it may sometimes be longer depending on your application and additional information that may be required.

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Legal information

Marketplace Finance Pty Ltd with ACN 608 607 227 and ACL 487316 is trading as Friendly Finance. Friendly Finance does not make finance or credit decisions and is not a provider. Friendly Finance helps customers find financial partners that meet their requirements.Financial partners may wish to obtain credit reports as part of the decision process. The line of credit available will vary depending on the financial provider. In order to help the government fight identity theft, the funding of terrorism and money laundering activities, providers may verify and record customer information. This website does not directly endorse a particular product and service.Any information on this website should be taken as opinion only.

Address: 903 level 9, 50 clarence st, sydney, nsw, 2000. Email:

Disclaimer: Cash Loans Paid In 60 Minutes*
* As advertised - is not a lender or broker and does not advise or recommend any lender. We simply provide options based on the information you provide.
Once you are approved by an actual lender, your loan may be transferred straight into your bank account within 60 minutes of signing the contract during standard banking hours.
The same transfer times could apply on second and subsequent approved loans.
For loan amounts over $3,000 it usualy takes longer than 60 minutes

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 Australian 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.