How it works

Icon of a mobile phone

1. 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!

Icon of a magnifying glass

2. 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*.

Icon of a waving hand

3. 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!

Why Lightning Loans?

Icon of a mobile phone

Easy application

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

Icon of a lightning bolt

Lightning-fast approval

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

Icon of a credit card

Inclusive lender

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

Am I eligible?

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

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

What do I need to apply?

Pretty much nothing, but make sure you have the following handy to make the process even quicker:

  • Personal info (i.e. name, address, DOB)
  • The reason for your loan
  • myGov details (if you currently receive Centrelink benefits)
  • Online banking details & employment info

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 pool of lenders. 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.