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Easy Financing Personal Loan up to $5,000

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Easy Financing Personal Loan up to $5,000
Maximum loan amount
Turnaround time
Same Day if approved
Term of loan
1 to 12 months
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


Borrow from $2,001 up to $5,000 with terms up to 12 months. High fees and charges apply and repayments depend on your credit score.

Easy Financing is an online lender that specialises in providing personal loans. Their medium loan allows you to borrow from $2,001 up to $5,000 with terms from 1 month to 12 months. The cost of the loan will depend on your credit score. You can apply even if you don’t have good credit, but the cost will be higher. This loan is expensive and comes with high fees and charges. They charge an establishment fee up to $400, with a monthly administrative fee of 4% the principal amount. For a loan of $5,000, with terms up to 12 months, your costs if you have good credit will be $288.46 per fortnight, $293.08 for an average score, $295.38 for an improving score and $300 if your score isn’t good.


  • Flexible repayment options
  • 1% off government regulated fee rate


  • High Repayment amounts

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Product Details

Product Name Easy Financing Personal Loan up to $5,000
Minimum loan amount $2,001
Maximum loan amount $5,000
Initial Maximium Loan Amount $5,000
Arrears Fee $35
Loan term 1 to 12 months
Turnaround time Same Day if approved
Costs $400 establishment fee + 4% of the principal amount monthly fee
Requirements You must be over 18 and employed and have a bank account.
Available to Centrelink Borrowers? No

⚠️ Warning about Borrowing

payday-warningDo 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:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The 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.

How do Easy Financing loans work?

You have to meet some basic eligibility criteria to apply for an Easy Financing loan. If you meet those, you start by process by submitting an online application. Once Easy Financing receives all required supporting documents it moves forward with processing your application, and you can expect to get conditional approval on the day you apply. After you send the required documents and accept the loan contract, you can expect Easy Financing to transfer approved funds into your bank account within 12 to 24 hours. When repaying your loan, you can choose a loan term which fits your existing financial situation. If you choose to repay your loan ahead of time you don’t have to pay any penalty fees.

Other cash loans you can apply for.

Whilst we don't compare this loan directly, here are some other loans that are similar.

Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
12-20 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $3,000 that you repay over 12-20 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Fair Go Finance Small Loan
3 to 12 months
24 to 48 hours
Establishment Fee of $60 – $400
A small loan between $500 and $2,000 that can be funded in 24 hours.
Nimble Small Loan
62 days to 9 months
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
Credit24 Short Term Loan
4 to 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. Centrelink borrowers are considered as long as Centrelink payments are not more than 50% of income.
Credit24 Medium Term Loan (Good Credit)
12 to 24 months
Same day
$400 establishment fee + 48% p.a. interest
A small loan with long terms: Apply for up to $5,000 and have up to 2 years to repay.
Fair Go Finance Medium Personal Loan
6 to 15 months
Within 24 hours
Establishment fee of $400
A larger loan up to $5,000 you can apply for even with bad credit. Fast turnaround within 1 business day. Note: You must earn more than $500 per week.

Features of an Easy Financing loan

If you’re thinking about getting a loan from Easy Financing, consider the following:

  • Flexible loan amount. Easy Financing lets you borrow any amount from $2,001 to $5,000. The maximum you can qualify for depends on multiple factors including your income, existing financial standing and creditworthiness.
  • Bad credit is okay. While this lender runs a credit check as part of the assessment process, it does not base its lending decision on your creditworthiness alone. It also takes into account your existing financial situation and your ability to repay.
  • Quick processing time. Submitting an online application is fast, and you can expect to find out your application’s status on the same day. If approved, you can get your hands on the money you need within 24 hours.
  • Flexible repayments. Easy Financing offers considerable flexibility when it comes to repaying the loan. You can make extra payments as and when you like without worrying about penalties and you can also pay the entire outstanding balance before the loan term expires.

Fees and charges

You don’t have to pay any annual account keeping fees, and you don’t have to pay additional fees for making extra repayments or repaying the loan early. You may have to pay other fees in different situations. For example, if you don’t make timely repayments you may have to pay late fees. The loan contract gives you a clear indication of all applicable fees and charges, so make sure to through this document before accepting the loan. If you find the fees to be too high for your liking, you can refrain from taking the loan. There are no fees to apply.

How to apply for a payday loan from Easy Financing

To get started simply click on the ‘Go to Site’ button. To apply, you have to meet some eligibility criteria, as listed below:

  • You’re at least 18 years old
  • You’re an Australian citizen or a permanent Australian resident
  • You have a regular source of income that is at least $450

Completing the Easy Financing loan application requires that you provide some basic information:

  • Desired loan amount and purpose of the loan
  • Your name, phone number, email address and residential address
  • Your date of birth
  • Your employment status, pay frequency and net pay

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