How it Works


We can lend you $300 to $1,200 to buy new items and services, including:

We do not:

  • Lend money for food, bills, rent or bond.
  • Give you cash.
  • Lend money for second hand goods.

There are no credit checks, interest, fees or penalties.


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Qualifying is simple, just take our quick test.

We will send you step by step instructions for applying.

The faster you get your application completed, the sooner we can assess it.

It takes about two weeks to receive your item or service once your application is received.

Only about 4% of loan applications are not approved, either because the applicant does not have the capacity to pay back the loan without causing themselves stress or because the item is not considered essential.