The Quick and Easy Way To Apply Online For Personal Loans

When expenses come up or great deals are on offer or just when you have to book emergency travel with your family, don’t reach for your credit card. Reach for the phone and call us. Our flexible personal loans and quick online application process can give you the opportunity to access the funds you need when you need them.

Personal loans to suit your lifestyle

Offering a personal loan to suit your lifestyle with same-day application and approval1 all with excellent customer service, a loan with us is a great way to take control when you need a loan amount over $2,000 and up to $10,000 and you need it fast.

Our dedicated consultants can help you achieve your lifestyle goals through building you a truly personal loan that can accommodate almost any lifestyle, income status, credit history or other circumstance. Whether you’re getting your car fixed or booking that trip away with your family, our online personal loans are the ideal choice.

Personal Loan Calculator

Use our simple personal loan calculator to find out how much you can borrow.

Loan amount

Please Select
  • $ 2,001
  • $ 3,000
  • $ 4,000
  • $ 5,000
  • $ 6,000
  • $ 7,000
  • $ 8,000
  • $ 9,000
  • $ 10,000

How often do you get paid?

Please Select
  • Weekly
  • Fortnightly
  • Monthly

Rapid Loans

Flexible personal loan repayments

Our secured personal loan products are simple and easy-to-understand. Instead of offering scores of different loans, we offer a single consumer loans package with the flexibility to give you the personal loan solution that suits you. A secured personal loan is a loan where the lender takes a security interest in an asset. An unsecured personal loan is riskier for the lender. Since they have no guarantee if the consumer fails to make the repayments, an unsecured personal loan normally accrues higher fees and interest rates. Here at Rapid Loans we only provide secured personal loan options.

As a new customer, you can rest assured knowing we will treat you as a unique individual in terms of needs, budget, lifestyle and finances. And fast! Often, the entire process, from application to approval1 to payment, takes less than 48 hours.

We also know your life and circumstances can change throughout the loan duration. It’s why we provide dedicated phone and email support to deal with changes when they arise.

What do I need to apply for a personal loan?

Getting your documentation together to support your secured loan application isn’t hard. Remember, there are just 3 basic things we have to know:

  • Your identity
  • Your financial circumstances
  • Your lifestyle

Personal cash loans vs. credit cards

Credit cards can seem like the easiest way to access cash fast. While credit cards do have their uses, they can be difficult to manage because, provided you make the minimum loan repayment, there is no fixed date by which you have to pay them off in full.

A personal loan is different. It is for a fixed loan amount, for fixed interest and, over a fixed repayment term. It’s simple, predictable, reliable, and there are no unpleasant surprises.

Fast approval personal loans

When you need a personal loan, you generally want it fast! It can be an exciting and stressful time. Our approach to application, approval and payment of personal loans is in our name: Rapid.

Find out how to apply online instantly, or call 1300 727 431 to speak to a personal loan consultant who will guide you through the quick and easy online application process.

Apply for a personal loan on your morning coffee break and, if your application meets every step, you could receive an approval for your loan by your afternoon coffee break.

Talk to a personal loans consultant

Applying online for our personal loans is fast and easy. It’s simple, it’s straightforward and it takes just three steps after you have read and agreed to our privacy consent agreement:

  1. Gather your identity and financial documents – just a few minutes work.
  2. Visit Apply Now and fill in our online form – we only ask for the essential information we need to get your application moving.
  3. Stay by your phone – a friendly loans consultant will be with you within just a few business hours. We aim to respond within 2 to 3 business hours.

Rapid Loans – Personal Loans

We are dedicated to helping our clients live the lives they want and achieve their personal goals. We are knowledgeable in all facets of personal loans. We are passionate about assisting in bridging the gap to allow everyday Australians to take on opportunities and accomplish their desired personal aspirations. Offering fast, simple and effective financial loan products, while providing a second to none customer experience is our main objective. Living the lifestyle you want and achieving your goals has never been easier!
With a minimum loan amount of $2,001 and a maximum loan amount of $10,000, we can help get what you need with quick personal loans.

We appreciate that you have many options when it comes to applying for personal loans and there are countless lenders out there, leaving you spoilt for choice. However, we are confident that you won’t find a more reliable, trusted, efficient lender or have a more stress-free experience than you will with us.

Tailored Personal Loan

Our tailored personal loans begin from $2,001. If you apply for your personal loan in the morning and your application is successful, you could have your personal loan the same-day, without the hassle of long wait periods or time constraints. Applying for personal loans can be an exciting yet stressful process. Which is why our mission is to help people live the lifestyle they choose with the help of our personal loan options, in a more straightforward, easier way, while striving to remove as much stress and hassle as possible.

When unexpected expenses arise, an unforeseen emergency pops up or you simply can’t pass up a special opportunity that requires fast additional funds, make sure we are your first point of contact for personal loans.

Better than credit cards

Instead of reaching for the credit card, take advantage of all the benefits personal loans has to offer.

A personal loan can be extremely helpful and useful for a variety of reasons and at any stage of life.

Some of the benefits available when applying for personal loans through us include but are not limited to:

  • Flexible loan repayment options;

  • Versatility;

  • Easier to manage vs multiple credit cards;

  • Simple application;

  • Fast response;

  • Predictable with no unpleasant surprises;

Easy and Quick Loan Application

While our loan assessment process is thorough and takes your personal circumstances into account, our personal loan application is simple, taking just minutes to complete. Our clients can expect a prompt response from one of our knowledgeable, friendly personal loans consultants and, if approved, funds can be in your account within 24 hours, all from the comfort of your own home.

We are committed to make the process to access personal loans and achieving goals that much easier.

Apply for Fast Personal Loans For Loan Amounts up to $10,000

Although our personal loans application process and our responses are fast, we never cut corners or skimp out on customer service. You are our priority and creating the most accessible and efficient personal loan solutions to benefit our clients is mission first and foremost. We’re known for being a trusted lender with over a decade of experience, always thinking outside the box and being unique from ‘traditional’ lenders. We’ve even streamlined our personal loans application to the degree that it takes only minutes to complete and can be done completely online. No more rummaging through drawers or hunting through piles of old documents! We use advanced and innovative technology to process your application and funnel it through to our team efficiently to allow them to get in touch with you quickly with your result. This allows us to spend more time helping you, and less time manually adding up the numbers.

Personal Service from Personal Loan Consultants

Even better, you won’t deal with just a general, run-of-the-mill call centre for personal loans. Instead, we put you directly in contact with one of our experienced personal loans consultants who will give you answers and get your loan moving. Throughout your partnership with Rapid Loans, they will be your contact dedicated to providing you with exceptional service, a great loan product and a great result.
We understand that each of our clients’ circumstances is unique and the idea of applying for personal loans can be intimidating and daunting. When dealing with us, you will always have the peace of mind and confidence that you are in the most capable hands. We will take the time to hear and understand your needs for personal loans, and through our personalised approach will always provide a warm and welcoming experience.

Why Use Rapid Loans

Engaging with a professional and experienced personal loans lending specialist is of the utmost importance. It is essential to gaining the appropriate understanding of the opportunities available to you when it comes to accessing personal loans. At Rapid Loans, we will bypass any unnecessary jargon and explain all your loan options available to you in plain English. This will allow you to arm yourself with all the information required to confidently and comfortably understand your specific personal loan and the requirements surrounding it.

Honest Approach to Personal Loans

We will help identify the appropriate amount that you are eligible to borrow for your next purchase, to cover expenses, or to achieve your set goal. Your personal loan application will be handled with the most care and attention to detail from the outset and throughout to ensure the personal loans process is as simple and easy as possible for our clients. We are here to assist in making the entire process of applying for a personal loan smooth and straightforward. We are all about transforming what can be a complex and daunting process into a quick and easy to understand one.

What You Need To Know About Your Loan Repayments Options:

Our personal loan repayment options are incredibly flexible to ensure your needs are met and allows alignment with your current budget, lifestyle and your financial situation and capabilities. Whether you receive an income weekly, fortnightly or monthly, we will have a solution for you. All of our repayment options can be completely personalised to your individual and unique needs as we work to discover what works best for you and your circumstances. We will also cater to what day of the week you would like to fulfil your loan repayments as we set up the direct debit upon your approval. If your personal loan application is approved, we are dedicated to relieving you of any stress and hassle where possible to allow for a workable and manageable repayment frequency and amount to fit in your lifestyle and pay cycle. There are many aspects of personal loans that need to be considered to ensure it is the right option for you and your need. Having a comprehensive understanding of your repayment loan requirements and what options are available to you is essential. At Rapid Loans, we will help you every step of the way to arm you with the necessary knowledge of exactly what we can offer you to fit seamlessly into your life and your budget.

When you initially apply for a personal loan through Rapid Loans, you will be met with and have the ability to view a loan calculator which will estimate how much you may need to borrow to cover your expenses. From there we will be able to help you appropriately navigate and determine how much your loan repayments will be and align them with your income frequency or desired scheduling, so you can pay off your personal loan comfortably and within your financial capabilities.

What Possibilities Are Available When Accessing A Personal Loan:

Finding the right personal loans to align with you, your circumstances and your lifestyle are of the utmost importance. There is a magnitude of reasons why Australians seek out a personal loan to assist them in the financial situation.

Some of the purposes when you apply for a personal loan include but are not limited to:
  • Wedding Costs
  • Emergency Repairs
  • Renovations
  • Holidays
  • Debt Consolidation
  • Electrical Goods
  • White Goods
  • Medical Expenses
  • Furniture
  • Christmas Expenses
  • Dental Expenses
  • Tax Bills
  • School or University Expenses
  • Travel
  • High Ticket Item Purchases
  • Lawyer Fees
  • Mechanical Expenses
  • Fine Coverages
  • Rental Bond
  • Household Repairs
  • Funeral Expenses
  • Removalists Expenses
  • Event Expenses
  • Vet Bills
  • Phone Bills
  • And Other Miscellanies

If eligible and approved, our small personal loans will allow you to receive your requested cash injection as a lump sum to effectively manage your expenses while allowing you to pay the loan amount back in stages that best suits your needs and financial abilities.
With our straightforward applications and prompt and our efficient process turnover times, if approved, you will be able to accomplish your goals, create your ideal event, take the trip of your dream and feel financially comfortable and secure, before you know it.

How Rapid Loans Processes Your Personal Loan Application:

We are all about innovation, convenience and confidentiality, which is why we have developed and integrated the use of trusted and advanced technology to make the entire personal loans application process that much easier. The technology and systems we utilise at Rapid Loans is top of the line in the way of safety and security. Throughout the process of collecting and analysing your key and essential documents such as bank statements, you will always have the peace of mind and confidence that your personal information is strictly kept confidential. Our innovative and advanced technology will also make the entire loan application process simple and straightforward while allowing us to action and determine the outcome of your application faster and more efficiently.

The History Of Rapid Loans:

We have built a longstanding and strong reputation amongst our loyal customers throughout our trusted and dedicated 15-year history as industry-leading lenders. We are proud to be Australian owned and operated since the day we were first established, and we have been one of Australia’s most reliable and trusted lenders ever since. The confidence we provide to our customers is second to none through our secure personal loans. At Rapid Loans, there are no hidden surprises, ‘fine print gotchas’ or nasty shocks to catch you off-guard. There is only ever transparency, honest and upfront and clear understanding when dealing with Rapid Loans for all your personal loan needs.

We are passionate about being the personal loan lenders that stand head and shoulders above the crowd and providing a service and experience that is personalised and unique to you as an individual. Our history has proven our dedication and commitment to helping everyday Australians achieve their financial and lifestyle goals. Take the first step toward accessing your personal loan, contact Rapid Loans today to find out more.



Frequently Asked Questions



How do I apply for a personal loan?

You can apply for a personal loan online through our easy-to-use application form. If you require assistance, you can call our friendly service team on 1300 727 431 to get help with the application process.

What do I need to apply for a loan?

Getting your documentation ready to support your application for a loan is not hard but there are three basic things we need to know:

  • Your identity.
  • Your financial circumstances.
  • Your lifestyle.

Can I get an unsecured personal loan?

Rapid Loans do not offer unsecured personal loans. In order to offer better rates and loan terms to our customers, we only provide secured personal loan options.

What can I use as security against the loan?

We can take security in assets you own including vehicles that are registered in your name (cars, caravan, motorcycle etc) as well as properties that do not currently have any other finance owing on them.

Will the funds be available the same day?

We always aim to be as quick as possible with transferring funds to successful applicants. Depending on the time and day of the successful application, the funds may be available in the client’s bank account the same day or the next business day.

Do you offer fixed interest rates?

Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as borrower profile, loan product and principal amount.

Do you charge early repayment fees?

No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule

What is a p.a. comparison rate?

The comparison rate gives you a true understanding of the cost of the loan per year. In addition to interest rate charged, it factors in the cost of fees and charges, repayment frequency, loan term and loan amount.


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Alex, Sunshine West

I had a few unexpected bills to pay off and I needed a bit of extra cash fast. I couldn’t believe how quick the whole process was with Rapid Loans – from applying for some extra cash to actually getting it in my bank account. Now I can pay off my unexpected bills in my own time, knowing exactly how much my repayments are

Kim, Caloundra

We got to the stage where one car was just not enough for us with everything we needed to do during the week and on weekends. So I applied for loan with Rapid Loans to buy a second car and I couldn’t believe how easy and simple it was to secure the funds we needed. Our repayments are all structured and we know exactly how much we need to pay off and now we have the second car we desperately needed. Would I recommend Rapid Loans to friends or family? Well I already have!

Christina, Mawson Lakes

I needed some money to pay off two smaller loans and part fund a family trip to the Philippines. I was blown away by how fast and efficient Rapid Loans was, always keeping me in the loop during the process and making me feel like I was their only client. A big thank you to Rapid Loans for their excellent service

Katrina, Redan

When it came time to move into a new property, I knew if I saw something I liked, I’d need to come up with the money for a bond very quickly. So when I found my ideal property, I also found Rapid Loans online and it was an even quicker process to get the money I needed for the bond. I’d never borrowed money online before, but if you need cash quickly, I’d recommend Rapid Loans as your first click.


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