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.

Loan Owl Blog

Smart tips and updates to guide your next move in personal lending.

What Is Early Pay And How Is It Different From A Payday Loan

Can I Get a Payday Loan on Centrelink? What the Rules Actually Say

Setting Alerts In Banking Apps To Keep Your Pay Advance Within Limits

Is Earned Wage Access Safe? Key Risks And Protections

Reducing Decline Risk For Small Payday Loans By Fixing Bank Account Hygiene

Coordinating An Insurance Claim To Reduce Urgent Loans Out Of Pocket

Preventing Double Deductions When Early Wage Access Meets Overdraft Or BNPL

Using Early Pay Access During Unpaid Leave Without Creating Shortfalls

Disclaimer
‍Loan Owl, a trading name for Simple Finance Group Pty Ltd (ABN 70 626 186 418) and holder of Australian Credit License 509422, operates as a lender and referral service. We do not endorse any specific credit contract. Upon receiving an offer or referral to a lending partner, they will evaluate your application, provide a suitable credit contract, and inform you of the outcome. Both we and our lending partners will disclose all fees, charges, and terms before any contract is entered into. We may receive a referral fee, the amount of which is not determinable. We advise seeking independent legal and financial counsel before engaging in any financial products. The rates and loan terms provided on this website are for indicative purposes only. Loan Owl, as a lender, may process applications within 60 minutes, and loan disbursement may occur immediately upon contract signing. However, the timing of fund disbursement depends on your banking institution's policies.

*Approved funds are transferred on the same day, subject to approval during business hours and completion of all required documentation including Pay to bank agreements. Transfer times may vary depending on your bank’s processing times. Not all banks support instant deposits, and some transactions may take longer to reflect in your account.