WARNING ABOUT BORROWING

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;

• If you are on government benefits, ask if you can receive an advance from Centrelink:
www.humanservices.gov.au/advancepayments;

• 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.

Who We Are

Loan Owl is here to help Australians take control when life throws the unexpected.We specialise in fast, flexible short-term loans – from payday loans and emergency cash to dental loans and early pay access. Whether you need help covering an urgent bill, medical cost, or a shortfall between paydays, our goal is to make borrowing as simple and stress-free as possible. We understand that traditional lenders don’t always work for everyone. That’s why we’ve built an online lending platform designed for real life – quick applications, rapid outcomes, and transparent terms with no hidden catches.

Why We're Here

We started Loan Owl to give everyday Australians a smarter, fairer way to borrow. When you’re faced with unexpected expenses, long approval times and rigid criteria from banks just don’t cut it. We believe in providing fast, accessible loan options that meet you where you are – no judgement, no red tape, just real support when you need it most.

How We're Different

At Loan Owl, we don’t believe in one-size-fits-all lending. What sets us apart is how we put flexibility, speed, and transparency at the heart of everything we do.No credit score pressure – Applying won’t impact your credit rating, and we assess more than just your history.Straightforward from start to finish – No confusing fine print or hidden fees. What you see is exactly what you get.Built for real life – Whether you’re paid weekly, casually employed, or receiving Centrelink – we’ve designed our process to work around you.Support that makes sense – We’re Australian-based and easy to reach. Got a question? We’re here to help, not make things harder.

We know life doesn’t follow a script – and neither should your lender.

Apply Now

Loan Examples

Loan Owl Loan Examples

Fast Approvals & Same-Day Funding

No Hidden Fees

Flexible Loan Options

Australian Based & Available 7 days a week

No Credit Score Impact

Small Loan

Loan amount from $300 to $5000
Minimum 5 weeks to maximum 6 months
20% establishment fee and flat
4% monthly fee^1
‍

Example³

Repayments

Term

Loan Amount

Establishment Fee

Total Monthly Fee ( over 20 weeks)

Weekly

20 weeks

$1,000

$200

Total Repayable

$1,400

Weekly Repayment

$70.00

Medium Loan

Loan amount from $2001 to $5000
Minimum 9 weeks to maximum 6 months
$400 establishment fee, interest at
47.89% p.a (comparison rate 63.29% p.a.)²

Example³

Repayments

Term

Loan Amount

Establishment Fee

Total Monthly Fee ( over 20 weeks)

Weekly

6 Months

$2,500

$400

$389

Total Repayable

$3,289

Fortnightly Repayment

$253.09

¹ Fees are based on loan principal advanced.
‍
‍²Comparison rate is based on a $2,500 unsecured loan repaid over 6 months with fortnightly instalments.
‍
‍WARNING: This comparison rate applies only to the example above and may not reflect all associated fees and charges. Changing the loan amount, fees, or term could result in a different rate.
‍
‍³ The example assumes all repayments are made on time in accordance with the loan agreement. Additional fees may apply for missed or late payments.

Your trusted hub for small personal loans

At Loan Owl, we’re more than just a loan provider, we’re your reliable partner when you need a fast cash loan. Whether it’s for a last-minute bill, unexpected expenses, or everyday needs, we’re here to make borrowing simple, secure, and fast.*

100%

Online Process

Instant

Approvals

Flexible

Loan Terms

Same Day

Funds

7 Days

A Week Support

Testimonials

Our customers have to say!

"Life Saver!"

I needed $500 urgently for a car repair, and Loan Owl came through instantly! The application took minutes, and the money was in my account within an hour.

Jake T

Brisbane, QLD

“Fastest Loan Ever!”

Unbelievable service, I got approved for $1,200 in seconds, and the funds were in my bank in an hour. No hidden fees, simple process. Will use again!

Maria S

Ballarat East, VIC

“No Credit Check, No Stress!”

My credit isn’t great, but Loan Owl still approved me for $800 same-day. The repayment terms were clear, and the money hit my account in under 30 minutes.

Derek L

San Remo, NSW

“Emergency Cash in Minutes”

Had a medical bill due and no time to wait. Applied for $300, got approved instantly, and the money was there before I finished my coffee. Super impressed.

Lisa M

Parkdale, VIC

“Best for Urgent Needs”

I’ve used other lenders before, but Loan Owl is by far the fastest. Got $2K in my account within an hour, no endless paperwork or waiting.

Ryan K

Dundas, NSW

“Transparent & Reliable”

Finally, a lender that doesn’t hide fees! I borrowed $1,500, and the terms were upfront. The transfer was instant, and customer service was helpful.

Tina R

Greenfield Park, NSW

“Perfect for Gig Workers”

As a freelancer, cash flow is unpredictable. Loan Owl gave me $400 same-day when a client payment was late. The app is smooth and funding was lightning fast.

Carlos V

Riverstone, NSW

“No Hassle, Just Cash”

Needed $3K for rent after a job loss. Loan Owl approved me in minutes and the money arrived before noon. Flexible repayment options saved me from stress.

Natalie B

Sydney, NSW

Get to Know Loan Owl

Who We Are

Why We're Here