Credit24 Personal Loans

Credit24 offers Australians short term loan options from $500 to $10,000 and the flexibility to choose their own repayment schedule.

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Credit24 Australia is owned by IPF Digital group, which operates other Credit24 companies worldwide and has over 200,000 customers. IPF Digital Group has been listed on the AIM London Stock Exchange since 2007. From the customer's perspective, the entire business is online, from application to approval.

Credit24 Australia offers flexible loan packages with various options for loan prices and repayment periods. A flexible repayment timetable is provided and there are no hidden charges or fees.

Credit24 Short Term Loan

Credit24 Short Term Loan

  • Borrow up to $2,000
  • Get a decision in minutes
  • Flexible repayments
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100% confidential application

Credit24 Short Term Loan Offer

Credit24 offer a fast and easy online application for up to $2,000. You can apply 24/7 with a good credit rating and employment to be approved.

  • Loan amount: $2,000
  • Loan term: 6-12 months
  • Turnaround time: Same day - conditions apply
  • Fees: 20% of loan amount establishment fee + 4% of loan amount monthly.
  • You must earn $600 p/m
  • Quick and easy Approval of your loan with good credit
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Credit24 Loans you can apply for

Updated October 23rd, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
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.
12-24 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.

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What are the types of personal loans available from Credit24 Australia

  • Flexible loan packages.
    Credit24 Australia offers flexible loan packages where you can choose your desired amount as well as your loan repayment period. Repayment periods between 6 months to 3 years are available.
  • Holiday loans.
    Credit24 Australia provides holiday loans between $500 - $10,000 to accommodate holidays and travel.
  • Medical loans.
    In a time of crisis or medical need, Credit24 Australia can help you with cash flow needs, providing quick assistance that can bring cash intended to cover medical costs within 24 hours of approval.
  • Rental bond loans.
    A difficult expense is paying a new rental bond upfront when moving and Credit24 Australia can assist you with rental bond expenses.
  • Motorbike loans.
    As car prices rise, motorbikes can seem like the more affordable option and Credit24 Australia can help with financial assistance when putting down cash for transportation.
  • Student loans.
    As a student and resident of Australia, Credit24 Australia may be able to offer you quick loans to keep you up to date with daily expenses. If you have a source of income, you may be eligible for the loan.
  • Part-time employed loans.
    Those not working full time are not excluded from being eligible for a loan. Credit24 Australia provides options for part-time employees.

Features and benefits of a Credit24 Loans

  • You can apply online.
    The entire process of using Credit24 Australia is online. Once you apply, you can receive instant notification about the status of your loan. The funds may be deposited in your bank account within 24 hours.
  • Loans feature flexible terms.
    Loan terms between 6 months to 3 years are available. If you need to request a change to your payment plan you can email Credit24's accounts team. An online loan tool is provided to help you consider each amount and repayment time-frame so you can make an informed decision.
  • Affordable rates are on offer.
    There are a variety of low rate personal loans offered. These loans don't require security and the rate changes depending on your loan term, so you can adjust how much you pay.
  • Online loans available from $500 - $10,000.
    All loan options are made to suit your needs and developed in accordance with your financial situation. As well as being able to choose your loan amount, you can also choose your repayment period. The affordable repayments are designed to help you pay back your loan easily.

How you can apply for a personal loan from Credit24 Australia

You can apply for a loan from Credit24 by clicking "Go to Site". From there you can choose your loan amount online and complete the applicable forms. First, make sure you meet the following criteria:

  • You are a permanent Australian resident or citizen over the age of 18
  • You are currently employed and earn at least $600 per month which is paid into your bank account
  • You have good credit history
  • If you receive Centrelink payments, they don't make up more than 50% of your income
  • You don't have more than one active short-term loan

There are eligibility requirements when applying for a Credit24 Australia loan. You need certain documents and personal numbers when applying for the loan. These requirements are as follows:

  • An Australian drivers license
  • An active email address
  • Your mobile phone number
  • Access to your last three months bank statements with your salary clearly shown.
  • You must not have any more than one active small amount loan up to $2,000

All applications are carried out online and have a 24-hour approval period, allowing you to easily login and find out information about your application. You can use the website’s loan calculator to determine how much needs to be paid back and in what time frame.

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Personal Loan Offers

Important Information*
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Citi Personal Loan Plus

You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 31 March 2020.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Logo for NOW FINANCE Personal Loans
NOW FINANCE Personal Loans

You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.

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16 Responses

  1. Default Gravatar
    TashDecember 28, 2016

    I need personal loan of around 5000 I earn 1200 a month by my casual job how can I get it thanks Tash

    • Avatarfinder Customer Care
      DeeDecember 28, 2016Staff

      Hi Tash,

      Thanks for reaching out.

      If you are a casual worker, you can compare your loan options on this page. Please do read the eligibility criteria first before clicking the “go to site” button to submit your application.


  2. Default Gravatar
    KatelynJuly 20, 2016

    Hi I am in need of loan really bad but Im on centrelink and only get 540 a fortnight is there any place that will approve me for a loan

    • Avatarfinder Customer Care
      MattJuly 21, 2016Staff

      Hi Katelyn,

      Credit24 only accept borrowers who have good credit and a full-time job. You can compare a range of loans for borrowers on Centrelink payments here.


  3. Default Gravatar
    WaitingJune 15, 2016

    I applied with credit24 almost a week ago and they’re not responding to calls/email. Are there other numbers I can contact them on? (Apart from the 1800#)

    • Avatarfinder Customer Care
      ElizabethJune 15, 2016Staff

      Hi Waiting,

      Unfortunately there are only the contact details listed on its contact page. You may want to try calling during a quieter period. Credit24 are open Mon to Fri: 8am to 10pm and weekends 9am to 5pm (AEST) you can also email them.

      I hope this helps,


  4. Default Gravatar
    TracyNovember 21, 2015

    Credit cards for Centrelink income I want to apply for a loan but I’m on Centrelink payments

    • Default Gravatar
      TracyNovember 28, 2015

      I’m get disability pension a fortnightly and I get family payments fortnightly so I have a weekly income only on Centrelink payments I want a personal loan over 5000 I want low interest low monthly repayments and up to seven year long term contract who can I get a personal loan from and I don’t need assets to get the loan

    • Avatarfinder Customer Care
      ElizabethNovember 30, 2015Staff

      Hi Tracy,

      I’m unable to recommend a specific lender to you but you can find a list of lenders you consider applicants who only receive Centrelink payments on this page.

      I hope this will help.



    • Default Gravatar
      DavinaJune 8, 2016

      Hi I’m just wondering if I could apply for loan even tho I have to outstanding with other lenders but I want a loan to pay it of

    • Avatarfinder Customer Care
      ElizabethJune 9, 2016Staff

      Hi Davina,

      To be eligible for a loan with Credit24 you can’t have more than one active small loan (less than $2,000). So you aren’t eligible for this loan. It’s an ASIC requirement that if you’re repaying more than two small loans the lender needs to take extra steps to ensure you will not be under financial hardship by taking out another loan, even if it is to consolidate them. You can find out more about payday loan consolidation on this page. If you do want to compare your other options you can do so on this page.

      Hope this helps,


    • Avatarfinder Customer Care
      ElizabethNovember 23, 2015Staff

      Hi Tracy,

      Thanks for your question.

      You are still able to apply for a Credit24 loan if you receive Centrelink payments as loan as your Centrelink payments are not 50% or more of your income. If they are, you can compare your other options on this page.

      I hope this has helped.



  5. Default Gravatar
    ShannonAugust 11, 2015

    I want to apply for a loan but I am blacklisted, on centrelink and don’t have a drivers licence or passport

    • Avatarfinder Customer Care
      ElizabethAugust 11, 2015Staff

      Hi Shannon,

      Thanks for your question.

      Many lenders still consider you for a loan despite having bad credit and receiving Centrelink payments. You can see a list of available lenders here. In terms of providing your identity, the requirements differ between lenders, but you may be able to submit a Medicare card number or proof of age card instead of a driver’s licence/passport. You can see the requirements listed on our review pages.

      I hope this has helped.



  6. Default Gravatar
    crisJune 15, 2015

    how do i get a 300 dollars loan today as i have a pensioners income from centrelink. 836 dollars per fortnight

    • Avatarfinder Customer Care
      ElizabethJune 15, 2015Staff

      Hi Cris,

      Thanks for your question.

      You can apply for a loan with Credit24 as long as your Centrelink payments do not exceed 50% of your income. If you meet this and the other eligibility criteria, please visit Credit24’s site to submit an application. If you want to find out about your other loan options while receiving Centrelink, you can find a full list of short-term lenders to consider on this page.

      I hope this has helped.



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