Easy Financing Personal Loan

Last updated:  

Borrow up to $2,000 with Easy Financing and have Up to 3 months to repay it.

If you’re in need of a short-term loan, whether it be for bills, car repairs or any other expense, one option is a personal loan from Easy Financing. Apply for a loan between $300 and $2,000 online and you can receive it on the same day.


Maximum loan amount

Same Day if approved

Turnaround time

Up to 3 months

Term of loan


Product NameEasy Financing Personal Loan
Minimum Loan Amount$300
Maximum Loan Amount$2,000
Initial Maximium Loan Amount$2,000
Arrears Fee$35
Loan TermUp to 3 months
Turnaround timeSame Day if approved
Costs20% of borrowed amount + 4% of borrowed amount each month
RequirementsYou must be over 18 and employed and have a bank account.
Available to Centrelink Borrowers?No

How does a loan from Easy Financing work?

Find out if you're eligible and then submit your application online. After the initial online application you'll need to send through supporting documents, and once those are received a representative from Easy Financing will call you to discuss your application. This can be in as little as one hour. If you're approved, your loan can be transferred to your account within 24 to 48 hours.

Your repayments are structured around when you get paid, so it can be weekly, fortnightly or monthly. Repay your loan using a direct salary transfer or automatic transfer from your bank account. You can also apply for a loan up to $5,000 with Easy Financing.

Compare Other Short Term Loans

Whilst we don't compare Easy Financing Personal Loan directly, here are some other loans that are similar.

Updated September 19th, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
62 days to 9 months
1 hour - conditions apply
10% of loan amount + 2% of loan amount each month
Finder Exclusive: 50% discount on the establishment fee (now 10% of the loan amount) and monthly fee (now 2% of the loan amount)
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
9-12 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-12 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Up to 2 years
3 hours - conditions apply
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.
22 - 52 weeks
Same day - conditions apply
Up to $2,000 - 20% establishment fee + 4% monthly.

Above $2,000 - $400 + from 8.7% to 48% APR
Borrow from $1,000 to $5,000 with same-day funding and no early repayment fees.
6-12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
Credit24 offers this loan up to $2,000 and gives you 12 months to repay.
3-12 months
1 business day
Establishment fee from 10% of loan amount + monthly fee from 2%
A small loan between $500 and $2,000 that can be funded in 24 hours.
3 to 12 months
1 business day
10% of loan amount + 2% of loan amount each month
A small loan up to $2,000 from a lender backed by NAB. Transparent eligibility criteria and competitive costs.

Compare up to 4 providers

Features of an Easy Financing loan

Before you take out a loan, it’s helpful to know all the features and benefits. Here is what you can expect from a personal loan with Easy Financing:

  • Easy application. You can apply conveniently online from your computer or mobile.
  • Accommodating eligibility criteria. Easy Financing will consider you for a loan if you have bad credit or if you’re employed only part-time or casually, as long as you meet the minimum eligibility criteria.
  • Quick turnaround time. You can find out if you’re approved within one hour and receive the loan on the same day.
  • Personal communication. After you apply, you’ll be contacted by someone from Easy Financing to help you through the loan process and to discuss your eligibility.
  • Flexible repayments. Repay your loan weekly, fortnightly or monthly, and choose between direct salary transfer or automatic direct transfer from your bank account. You can also repay the loan early without penalty.
  • Longer loan terms. Some lenders require you to pay back your loan within one month, but with Easy Financing you can have Up to 3 months to repay it.

“What will I be charged?”

When you apply, you will be offered a loan contract with a list of all fees and charges that relate to your specific loan. It’s important to go through the contract and understand what you will and might be charged. Here is an outline of Easy Financing’s fee structure:

  • Establishment fee: 20% of your principal loan amount
  • Monthly fee: 4% of your principal loan amount
  • Missed payment fee: $35 for each missed payment. Get in touch with Easy Financing if you think you might have trouble making a payment.

Ready to apply? Here’s how

Click “Go to Site” when you’re ready to submit your application. First, make sure you meet the minimum eligibility criteria. You must:

  • Be over the age of 18
  • Be an Australian or New Zealand citizen or permanent resident
  • Have an Australian bank account
  • Have access to the Internet
  • Be employed
  • Earn at least $450 per Week
  • Have not had any defaults with other lenders in the last 30 days

If you are able to answer “yes” to all of the above, you can start your application. You will need to upload identification documents, your bank account details and proof of your income, so have the following on hand:

  • Identification. 100 points of ID in the form of a driver’s licence, Medicare card, passport, birth certificate or payslips.
  • Financial. Bank statements and bank account details.
  • Personal details. Confirmation of your residential address in the form of a utility bill, car registration or phone bill.

If you’re approved for a loan, Easy Financing will email and text you a username and password to log into your account to electronically sign your contract. After you sign, the funds will be transferred to your bank account.

Ask an expert

To ask a question simply log in via your email or Facebook or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


  1. Default Gravatar
    February 24, 2019

    Hi there i applied for a loan and sent though all my documents was told on the email i would get a response within a few hours but still haven’t heard anything about what’s happening i tried calling but no answer have also sent emails with no answer. I am kinda hoping i could be helped out with this please.

    Business office hours please. Applied and sent though documents was told would have an outcome with in a few hours its almost been 2 days now 🤔

    • AvatarStaff
      February 25, 2019

      Hi Amber,

      Thank you for reaching out to Finder.

      I apologize for the inconvenience this has caused you but you would need to direct this query to East Financing. You may respond back to the email you received and tag it as read-receipt for you to get a notification if they opened the email. Though I could not see any information on the hours of operations, you may call them from 9am – 5pm on weekdays. Hope this helps!


  2. Default Gravatar
    February 2, 2016

    Hi I’m just wondering I don’t work but I’m a single mother and I get $1200 fortnight. Can I still apply

    Thank you

    • AvatarStaff
      February 3, 2016

      Hi Paula,

      Unfortunately you need to be in some form of employment to be approved for an Easy Financing personal loan. To find lenders who may consider your for a loan while you’re unemployed, you can see this page.

      I hope this has helped.



  3. Default Gravatar
    January 12, 2016

    Do I need to put money on it first?

    • Default Gravatar
      January 12, 2016

      how much can i borrow

    • AvatarStaff
      January 13, 2016

      Hi Junup,

      You’re able to apply for up to $2,000 with Easy Financing, but how much you’re approved for will depend on your individual financial situation.

      I hope this has helped.



    • AvatarStaff
      January 12, 2016

      Hi Jennifer,

      If you’re referring to the loan establishment fee, this is added onto what you borrow. You won’t pay anything until your first repayment. You can see a breakdown of your repayments in your loan contract before you agree to the loan.



  4. Default Gravatar
    December 1, 2015

    can i get a loan with unpaid defaults

    • AvatarStaff
      December 1, 2015

      Hi Debra,

      Thanks for your question.

      The minimum criteria for this loan is listed on the page above, if you can answer “yes” to each of the points listed then technically you are eligible to apply for the loan. In terms of things such as unpaid defaults, Easy Financing will review your financial situation, including your debts, your credit history including your unpaid defaults, and decide if you are in a position to afford the loan. There isn’t really a “yes” or “no” answer we are able to provide unfortunately. If you’d like to discuss your eligibility further you may want to get in direct contact with Easy Financing.

      I hope this information has helped.



Ask a question
Go to site