Rating based on 29 reviews


  • Short-term loans up to $10,000
  • Low-interest up to 48%
  • Repayment up to 36 months

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Credit24 homepage
Author Credit24. Screenshot of Credit24 website.
[Accessed March 15, 2023]

About Credit24

You can enjoy a simple, flexible, and personalized short-term loan with Credit24.

They are committed to keeping their loans easy and available to more people. With their aim on security, convenience, flexibility, and keeping it hassle-free and 100% online for Aussies to get the financial assistance they need. They started in 2012 and their growing team in Sydney is there to support you seven days a week.

Credit24 is owned by IPF Digital, a short and medium-term loan online provider. IPF Digital has approved over 200,000 loans worldwide and provides loans to clients in Australia, Europe, and Mexico. Credit24 is owned and operated by IPF Digital in Estonia, Finland, Latvia, Lithuania, and more. Credit24 has a personal touch when it comes to financial assistance as they personally assess each application.

Flexible and affordable loans

Getting a short-term loan with Credit24 is fast, easy, 100% online with no hidden fees. You can apply for an amount of up to $10,000 as long as you are a permanent resident and aged 18 or over. To make it more affordable for you they offer longer repayment terms.

Once your application has been assessed, you will be given an instant decision on how much is available to you. The great part is that if you do not want to take the full amount, you can choose a smaller loan amount and take exactly the amount you need.

Credit24 Services

Borrow up to $10,000, apply for a loan now and if you are approved, the money will be transferred to you on the same day.

Remember their loans are 100% online this means that you can apply anytime – day or night.

There is no need for you to borrow from your family or friends as they can assist you with great offers. Whether you need money for something small or big such as student expenses, rental bonds, home improvements, motorbike or car repair, travel or holiday, or any other living expenses. Simply select the amount you need and for how long you want to borrow it.

They also assist people that have a low or no credit history, casual and self-employed people. With Credit24’s short-term loans you can also enjoy flexible loan repayments that will allow you to pay back your loan between 6 and 36 months. With most alternative online lenders offering payday loans that must be repaid within a few days or weeks - most Australians cannot afford to take out a loan.

Credit24 Line of Credit

Get a virtual credit account with a credit limit from $500 to $10,000 that has no account fees and you only need to pay for what you use. This means that you can pay back as you go and only pay interest on the amount you are owing. You have the option of saving on interest by making extra repayments, you can also redraw more money, anytime.

Credit24 – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 48%
  • Loan Amount up to $10,000
  • Repayment 3 months to 36 months

Benefits of Credit24

  • Apply 100% online
  • Affordable loan repayment terms
  • Get approved quickly

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Getting Credit through Credit24

Applying for a short-term loan with Credit24 – you can apply 24 hours a day, 7 days a week!

Types of short-term loans available

  1. Small Loans -Where you can borrow between $500 - $2000 over 6 to 12 months

   2. Medium Loans -Where you can borrow between $2,001 - $5,000 over 12 to 24 months

   3.  Large Loans-Where you can borrow between $5,100 - $10,000 over 12 to 36 months

Before you apply make sure you

  • Are an Australian Citizen/Permanent Resident.
  • Are aged 18 years or over
  • Are employed and your money is paid into your bank account
  • Have a reasonable credit history
  • Have an income of at least $1,000 in a month 

Loan application requirements

  • Your phone number and email address.
  • Your driver’s license and in some cases your Medicare Card or passport.
  • Bank statements

If you have all of the above then you are ready to apply for a quick loan with Credit24. Applying will only take a few minutes and we will reply immediately!

 Starting your loan application

  • Use their online calculator to see exactly what your monthly repayments will be by selecting how much you want to borrow and for how long. There are no hidden charges.
  • Once you are happy with your amount choice, click Start Application and you will be directed to the rest of the online application you can quickly and easily complete. You will then immediately receive a decision.
  • If you have been conditionally approved, they may be in touch to get some more details from you.
  • Once everything is received and verified by them, your loan will be processed within an hour and paid into your account on the same day!

Benefits of getting a short-term loan

  • Flexible and affordable repayment structures
  • Get exactly the amount you need
  • Fast and reliable
  • Safe and secure
  • 100% online application process
  • Easy, convenient, and simple
  • Same-day access to the cash you need

Customer Reviews & Testimonials

December 2018

Credit24 offers longer loan terms to increase affordability, even on their short-term loans. I love their products because they are different from other lenders that I have dealt with in the past...

Fred D
— Perth —

April 2019

Save yourself time and money by borrowing from Credit24. Before I borrowed from them I did a lot of research and decided that they are the best for me. Trust me and make the right choice by apply...

George B
— Adelaide —

May 2019

The payday loans offered by Credit24 are very reasonable. I needed to do some urgent repairs on my vehicle and did not have the savings. I simply borrowed what I needed and paid it back when I go...

Harvey G
— Queenstown —

February 2019

When the banks won’t help you, Credit24 will. And you can get the loan that you deserve within the short span of 48 hours. They will not turn you away like the others!

Isaac S
— Portland —

Credit24 Contact

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Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 20:00
  • Sunday 08:00 – 20:00