If you are having difficulty qualifying for a regular loan and you meet our eligibility criteria, get in touch with us to apply for an In-roads loan:
Call 1300 IN-ROAD (1300 467 623) to discuss.
We will send you an application pack.
Once you have returned your documents, we’ll assess your loan application.
If successful, your loan is paid directly to the goods/service provider.
Your ongoing loan repayments are scheduled.
Warning about borrowing
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 the MoneySmart hotline on 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: 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.