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© 2025 Credit24, Australian Credit Licence number: 422839

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Website disclaimer:
Credit24 is a registered trademark and business name of IPF Digital Australia Pty Ltd (ACN 130 894 405). The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs. If you have received a direct communication from Credit24, it is not an invitation to apply for, or offer to enter into, any of our loan products. Please review the different products on this website and it’s eligibility criteria and terms and conditions, before applying with Credit24.

For small loans of less than $2,000, the Annual Percentage Rate (APR) is not applicable. Minimum term is 120 days and the maximum term is 12 months. The cost of the loan is a 20% establishment fee on the amount borrowed and a monthly fee of 4% charged on the amount borrowed. For example, a $1,000 loan borrowed over 6 months is a total of $1,440 ($1,000 principal, $200 establishment fee and $240 in monthly interest). Monthly repayment is $240.

For medium loans between $2,100 and $5,000, the APR is between 24% (minimum) – 47.9% (maximum) per annum. Comparison rate of 32.29% to 57.05%. Minimum term is 365 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $5,000 over 24 months with an APR of 47.9%, (comparison rate of 57.05%), will have a establishment fee of $400, weekly repayments of $80.77. Total repayments of $8,400 and total interest payment $3,000.

For large loans between $5,100 to $10,000, the APR is between 24% (minimum) – 47.9% (maximum). Comparison rate of 24% to 47.9%. The minimum term is 365 days and the maximum term is 36 months. There is no establishment fee and the cost of the loan is the monthly interest charged on the amount borrowed. For example, for a $6,000 loan borrowed over 24 months with an interest rate of 24% is a total of $7,543.87 ($6,000 principal and $1,543 in monthly interest). Monthly repayment is $318.09.

For our Line of Credit, there is no establishment fee and cost of the loan is the monthly fee of 2% – 4% charged on the amount borrowed. The minimum APR is 24% and the maximum APR is 47.9%. The maximum term is 36 months. For example, $1,000 borrowed over 36 months is a total of $2,440 ($1,000 principal and $1,440 in monthly interest).

*Money paid out within 60 seconds of loans being approved or a withdraw made on a Line of Credit to PayID enabled banks.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

How much interest charged is based on the loan amount and the loan term. How much someone can borrow will be based the information they provide to us during the loan assessment.

Target Market Determination

Credit24 is a responsible issuer and distributor of financial products and our products are designed in consideration for specific needs of customers based on their financial situation and objectives. Our Target Market Determination is developed in accordance of the Design and Distribution Obligations under Pt 7.8A of the Corporations Act 2001. To obtain a copy, please email info@credit24.com.au or call 1300 293 000.

Address: 388 George Street, Sydney, NSW 2000