We understand pensioners find it difficult to qualify for a loan from a bank. The good news is that looking for pensioner loans online is the next best move.

Rapid Loans is here to help. We offer fast cash loans for pensioners like you, helping you meet your financial requirements quickly and easily. Whether it’s for a medical bill, an urgent trip, a car repair, or new plumbing equipment, our loans are structured to take the stress out of a tight budget situation and get the financial means for your needs.


If you are worried about your credit history, we will do our best to look at your application on its own merits. Our consultants will take the time listen to your story and find the right loan for you.

One advantage of our small loans is that it is affordable and flexible. Our contracts are easy to understand. There are no hidden fees to surprise you in the future.


We offer personal loan assistance to people on Centrelink. If you are receiving Centrelink benefits, we may also be able to give you access to fast cash loans.


For us to work out a way to help you, you need to gain a thorough and comprehensive understanding of your own financial circumstances.

If you are ready to proceed, you can start your application today. We advise speaking to our pension loan consultants to learn about our pensioner loans. Complete our online contact form or request a call-back and we’ll contact you as soon as possible.

About Loans for Pensioners

If you’re looking to apply for a personal loan but feeling unsure about what you’re eligible for and do not know where to turn, then Rapid Loans can help. It is a general misconception that you may be ineligible for a personal loan if you’re receiving government or Centrelink benefits. However, this may not be the case. At Rapid Loans, we are dedicated to helping each and every one of our clients live their lives comfortably while offering opportunities to be able to live out the lifestyles they desire. Although applying for a loan may seem daunting, our friendly consultants will work alongside you every step of the way to make the process as simple as possible. With a completely online platform, you may apply from the comfort of your home with minimal fuss.

Simple and Easy Loan Application Process

While our assessment process is thorough and takes your unique circumstances into account, our loan application is simple, taking just minutes to complete. Our clients can expect a prompt response from one of our knowledgeable, friendly consultants and, if approved, funds may be in your account within 24 hours, all from the comfort of your own home. Rapid Loans is all about making the process to apply for and access personal loans for pensioners that much easier.

Tailored Loans for Pensioners

Just because you receive government assistance does not mean that you have to be left in the dark when it comes to accessing a personal loan that suits you. We are passionate about helping everyday Australians achieve their own goals and live the lifestyle they choose through our personal loan products.

Personal Loans up to $10,000

Whether an unexpected circumstance or emergency has occurred, or you’re looking for a cash injection to be able to take that trip you have always wanted, then Rapid Loans is here for you! We offer personal loans for pensioners ranging in loan amount from $2,001 – $10,000 with a simple loan application process, dedicated customer service and fast turnarounds. If approved, you may receive the funds within 24 hours. Speak to one of our friendly consultants today to apply for a simple personal loan with no surprises.

Experienced and Trusted Lenders

Since 2003, Rapid Loans has been one of Australia’s go-to lenders, when it comes to helping people like you access to instant cash loans effectively and efficiently. We take great pride in helping thousands of people from across the nation reach and achieve their personal goals, manage bill shock easier or take that perfect holiday they’ve always dreamed of.

Second To None

Our experience, dedication and knowledge when it comes to all facets of pensioner loans are second to none. At the same time, our ability in assisting in accomplishing your short and long-term goals knows no bounds!
Our clients and their lifestyle goals are of the utmost importance to us, and we are passionate about helping people achieve those goals in the most effective, efficient and convenient way possible!

We are here to work with you

Do not be discouraged if your situation is unique, our thorough assessment process takes the big picture into account. At Rapid Loans, we are here to work with you. We take the time to understand our applicant’s needs to ensure affordability and we can tailor your loan amount and loan repayment frequency to suit the way you get paid. We have a comprehensive understanding that everyone’s circumstances are unique to them, which is why we are committed to providing you with the ultimate in the way of convenience, transparency, and one of a kind customer service.

Helping you achieve your goals in retirement

At Rapid Loans, helping a diverse range of everyday Australians achieve their goals has guided us through every stage of our business evolution. Your aims, your needs and your dreams will guide us into the future as well. With Rapid Loans, you will always be well looked after.

We base our practices around the three core customer benefits we offer you

  1. Speed and ease of online loan applications
  2. Rapid payment of cash after you’re approved
  3. Personal and friendly services

Trusted Loan Provider for Pensioners

If you are looking to apply for a trusted Australian personal loan, look no further than Rapid Loans.
Contact us and take the first step to achieve your lifestyle goals and find out exactly what we can do to help you with your personal loan application today. We tailor our services to meet your personal needs and work to provide you with proven solutions.

No Stress Pensioner Loans

Accessing finance doesn’t have to be stressful, our loan consultants are sensitive to your individual situation and assess all applications with due consideration. With an easy online loan  application, readily available customer support and straightforward personal loan options, make Rapid Loans your first click for consumer finance.

Contact Us

Methods to contact us:

Call Us On: 1300 727 431.
Request A Call-back, and one of our friendly pensioner loan consultants will phone you.

Alternatively, click Apply Now to get the ball rolling.

We look forward to hearing from you!



Frequently Asked Questions



I am on government benefits. Can I still get a loan?

Depending on your total income when compared to your expenses, you may still be eligible for a loan with Rapid Loans if Centrelink benefits form part of your income. Please note that only some benefits are accepted as eligible forms of income.

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.

What loan terms do you offer?

Our loan terms vary from 18 to 60 months with loans ranging from $2,001 up to $25,000. This will depend on the product, loan amount and other factors.

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.


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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.

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

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

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!


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