Services

Please keep in mind

For a Tinypays loan you must be

An Australian Resident

Over 18 years old

Employed

WARNING — Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink or phone 13 17 94
  • The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

1. Create an account

We ask you to create an account upfront, so we can keep the information we need to give you a personalised rate safe.

It’s super easy and secure. You can quickly and easily create your account by signing up with you can use your email address.

2. Tell us about you and your loan

The first step is for us to get to know you and understand how a loan will help you.

We will need to verify your identity, so you will need to have your AUST drivers license or passport details handy, along with your online banking details.

We will also access your credit information at this point, but this won’t affect your credit score.

3. Share your financial details

Next, we need a clear understanding of your income.

Using secure bank-grade technology we access a read-only view of your bank statements.

By allowing us to view your bank accounts we can get an up-to-date snapshot of your financial situation straight away.

4. Get your quote

We will now take all the information you have provided us with and work out your quote.

Your quote will include how much you can afford to borrow, your guaranteed interest rate and will show you what your repayments would be like over a 3 or a 5 year term.

You will also see what your repayment amounts would be if you choose to pay weekly or monthly.