Why choose Credit24


  • Easy application process
  • Same-day loans available
  • No annual fees


  • Maximum interest rates are high
  • No branch access
  • Top-up and late fees charged

Credit24 Personal Loans

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Features of a Credit 24 personal loan

Credit24 offers unsecured personal loans, with loan sizes ranging from $500 to $10,000 and loan terms of up to three years. Borrowers have the flexibility to choose their own repayment schedule.

Credit24 loan applications take just a few minutes to complete, and are done entirely online. The funds may be deposited in your bank account on the same day if all the required information is received.

Once you’ve taken out your loan, you can request a change to the repayment terms by emailing Credit24’s accounts team.

Credit24 does not charge annual fees, although establishment fees apply for loans up to $5,000. A monthly service fee is also applicable for loans of less than $2,000. The lender may also charge a late fee. However, Credit24 doesn't penalise you for paying off the loan early.

Credit24 offers a wide range of personal loans, including:

  • Holiday loans
  • Medical loans
  • Rental bond loans
  • Motorbike loans
  • Student loans

Credit 24 personal loans – customer service

Credit24 is an online-only lender. Customer service is available by:

  • Phone, Monday to Friday, 8am to 8pm (AEST), weekends 9am to 5pm (AEST)
  • Email
  • Online enquiry
  • Fax

Who is eligible for a Credit 24 personal loan?

To be eligible for a Credit24 personal loan, you must:

  • Be at least 18 years
  • Be a permanent resident
  • Earn at least $600 per month
  • Be employed and receive your salary in a bank account
  • Have a “reasonable” credit history

How to apply for a Credit 24 personal loan?

To apply for a Credit24 personal loan, you must fill in an online application form, which is available 24 hours a day. It should take about five minutes to complete.

  1. Once you have compared your personal loan options, on the Credit24 website, click 'Start application' and complete the application form.
  2. Credit24 will call you on your mobile phone if it needs to ask any follow-up questions.
  3. Applications are processed within 48 hours. You will be notified of the result by text and email. If approved, you should receive the funds within one business day.

You will have to provide 100 points of identification and three months of bank statements. You will also need an active email address and mobile phone number.

Credit 24 personal loans review

Credit24 is an online-only lender that allows Australians to quickly and easily apply for personal loans over the internet.

A Credit24 personal loan can range from $500 to $10,000, with a maximum term of 36 months (or three years).

Credit24 assesses personal loan applications within 48 hours and pays out approved loans within one business day.

You may be eligible for a Credit24 personal loan if you’re unemployed or on Centrelink, as long as your Centrelink payments are no more than 50 per cent of your total income. If you're a pensioner aged 60-plus, you may be eligible to to apply even with Centrelink being your only source of income.

Credit24 also accepts applications from self-employed borrowers. In that case, you must provide your most recent tax notice of assessment to prove your income.

This lender's maximum interest rate is very high. If you have a good credit history, you're likely to find a lender with lower interest rates on the market.

Before applying for a personal loan, it's best to weigh up several personal loan options by comparing its fees, features and interest rates.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.