Lightning-fast cash loans.

Get your cash within 60 seconds of approval*

I want to borrow...

 

8.69% (comparison rate 12.05% pa)*(2) starting rate with no ongoing fees. Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history. WARNING: This comparison rate is valid 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.

How it works

Discover how you can get a personal loan at lightning speed with Australia’s latest lender-finder.

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Apply Online

Fill in our 100% online application form - it’ll only take you minutes to complete. The best part is there’s no waiting lines or paperwork involved!

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We search for a lender

Once you submit your application, sit back and relax while we get to work and search to find you a suitable lender. We’re lightning-fast, so expect a quick outcome! We can usually find you a compatible lender in just 60-minutes*.

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Meet your lender

If we find you a match (congratulations!), we’ll then pass on your details to the lender. They’ll get started on their assessment process and be in contact with you shortly!

Types of loans

Small Loans
Medium Loans
Large Loans
Small
Medium
Large
Loan amount

Loan Amount

$300 - $2,000

Loan Amount

$2,001 - $5,000

Loan Amount

$5,001 - $10,000
Terms

Terms

12 months

Terms

12-24 months

Terms

13-24 months
Costs

Costs

20% upfront establishment fee +4% monthly fee

Costs

21% upfront establishment fee +4% monthly fee

Costs

22% upfront establishment fee +4% monthly fee
Rates from 6.0%

Rates from 6.0%

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.

Rates from 6.0%

Loan Amount of $2,000 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.

Rates from 6.0%

Loan Amount of $5,000 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.

Why Lightning Personal Loans?

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Easy application

Apply anywhere, any time, using our quick and easy online application.

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Lightning-fast approval

Once you submit your application, we’ll do our best to come back to you with the perfect lender within 60-minutes*.

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Inclusive lender

Worried your credit score will hold you back? Our partners offer loans to people with bad credit, so don’t stress.

Am I eligible?

To be eligible for our lender-finding service, you must:

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Be over 18 years of age

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Be an Australian citizen or Permanent Resident

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Have a direct Australian contact number and email address

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Be receiving a regular income (for at least 90 days)

What do I need to apply?

Nothing - it’s that simple! There’s only a few details we need from you before we begin our search. Make sure you have the following handy:

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Personal info (i.e. name, address, DOB)

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Current phone number and email address

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The reason for your loan

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Online banking details and employment info

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myGov details (if you currently receive Centrelink benefits)

Have a question?

Who can apply?

Anyone can apply! However, you’ll need to meet the following criteria to use our lender-finding service:

  • Be over 18 years of age
  • Be an Australian citizen or Permanent Resident
  • Have a direct Australian contact number and email address
  • Have been receiving a regular income for at least 90-days

How long does it take?

We understand that when you need a quick loan, you need it fast. With Lightning Personal Loans, you can get an outcome on your personal loan application in just 60-minutes*!

If I receive Centrelink payments, can I still apply?

Yes, of course! Most of the lenders we work with offer quick loans for people on Centrelink. As long as you can show you can afford your loan repayments while receiving government benefits, there should be little issue with finding you a lender!

Will you do a credit check?

As a lender-finding service, we don’t conduct credit checks ourselves. However, the lenders we work with may or may not conduct a credit check. But don’t fret if you have bad credit! Our partners are inclusive lenders and look at factors other than your credit score to get a better understanding of your ability to repay your loan.

Apply in minutes

Once you have applied, you can sit back and we’ll take care of the rest.

Aussie lenders for Aussies

All of the lenders we work with are Australian owned and operated. We’re 100% online, Australia-wide, and we’re ready to help you secure a quick loan.

Even though we’re behind your screen, we are based right here in Australia. We’re 100% online, quick, and easy to use. We were founded by Aussies, for Aussies.

We make the lending process just a little bit easier. There are so many lenders out there, so it can be difficult and time-consuming to find the right fit. We’ve made it simple for you. We work with other like-minded lenders that prioritise lightning-fast service.

So, whether you need a quick loan to repair your car, pay some outstanding bills, or go on a much-needed holiday, we can help you find a lender that just gets it.

We’re free to use

Not only are we lightning-fast, we’re also completely free to use. Meaning you can find your lender with no stress, no time spent researching, 100% for free.

Do you need your cash quickly? Well, that’s what a quick loan is for. We’re lightning-fast and so are our partners. We all want the same thing: to provide you with a quick loan when you need it most.

Whether you need $500 or $5,000, our lenders are here and ready to help you.

No stress, just lightning-fast outcomes

Why stress about finding the right lender? Use our 100% free, 100% online, 100% lightning-fast service.

Love your Lightning Personal Loans experience? Get in touch and let us know because we love to hear from our satisfied customers! That’s why we do what we do.

If you need more information, head over to our frequently asked questions page. Additionally, you can find our Privacy Policy and Acknowledgement & Consent for more details.