$2,100 - $5,000 loans

$2,100 – $5,000 loans. Apply in minutes.
Receive your cash in 60 seconds!*
  • 92%

    of our customers receive funds in their bank account within 60 seconds of signing their loan contract

  • 5 mins

    is all it takes to complete an online application

Wondering If You’re Eligible?

Our Simple Eligibility Criteria

Getting a loan with Trusty Finance is easy, and our eligibility requirements are straightforward. To apply, you must:

  • Be at least 18 years old
  • Be employed with consistent income for 90 days
  • Be an Australian Citizen or permanent resident, with a fixed address
  • Have an active email address, phone number, & online banking details in your name
  • Own a motor vehicle registered in your name
  • Be in control of your current finances and handling existing financial commitments

If you meet these criteria, you’re ready to start your application. No complicated forms, no hidden fees—just a fast and simple process designed to get you the funds you need.

Learn More
  • 92%

    of our customers receive funds in their bank account within 60 seconds of signing their loan contract

  • 5 mins

    is all it takes to complete an online application

Loan terms

  • Minimum Loan Term:

    12 months

  • Maximum Loan Term:

    24 months

Our personal loans are available over 12 or 24-month terms, giving you flexibility to choose what suits you. If you decide to repay your loan early, there are no penalties or extra fees—you’ll just save on interest.

Representative example: based on a loan of $2,200 over 12 months a borrower can expect to pay a total of $3,276. This represents a comparison rate of 47% p.a. and upfront fees of $420 included in loan repayments over the life of your loan.

WARNING: This comparison rate applies only to the example provided and may not reflect all fees and charges for your specific loan.

Fee breakdown

Establishment Fee
$400 (included in the loan)
Interest Rate
47% pa (comparison rate 66.0347%)
Set Up Fee
$20 (included in the loan)
Missed Repayment fee
$35 missed repayment fee may apply if a scheduled payment is missed or returned unpaid.
If you miss a repayment, additional fees may apply, and it could extend the overall length of your loan.

Got Questions?
We’ve Got Answers

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Should I use a credit card or a personal loan for car repairs?

You should choose the option that best suits your current financial situation and that you believe you can comfortably manage paying back. Both options provide you with the funds you need, but car repair loans provide you with fixed repayments and a clearly-set loan term so you always know there is an endpoint. On the other hand, a credit card is a more open-ended option, but you will need to have enough available credit.

Is it hard to get a car repair loan in Australia?

Trusty Finance aim to make applying for car repair loans as easy as possible for people who meet our eligibility criteria. As long as you meet those requirements, we hope to assess your application within a few business hours. If we approve your loan, we’ll transfer the funds to your nominated bank account within 60 seconds of receipt of your signed loan contract.

Can I pay monthly to fix my car?

Yes, you can! Trusty Finance endeavours to make your car repair loan repayment obligations as easy as possible, so you can pay weekly, fortnightly or monthly. Whatever works best with your household budget and pay cycle.

How do moving loans work?

Trusty Finance moving cost loans are secured loans that help you to cover the costs that typically come with moving house. You can apply online for any amount between $2,100 and $5,000. If we approve your loan, you can use those funds to pay for anything from removalist fees to utility connections, property inspections, cleaning services and more. Trusty also aims to make repaying your loan as stress-free as possible, so you can set your schedule to line up with your pay cycle, whether that is weekly, fortnightly or monthly.

What is the 28/36 rule in Australia?

Australian lenders often consider the 28/36 rule to be a healthy financial benchmark of your borrowing capacity. The rule proposes that a borrower should spend a maximum of 28% of their gross monthly income on common housing expenses such as rent or mortgage payments, and allocate no more than 36% of their income on total debt servicing. That 36% figure includes the housing costs included in the 28%, as well as other debts such as credit cards, car loans and personal loans.

Keeping to this suggested benchmark might help you to maintain a low debt-to-income ratio, which may improve your chances of getting your moving cost loan approved.

Is it wise to take a loan to relocate?

A loan can provide the necessary additional funds to make moving house less of a burden on your finances. Though a loan isn’t always the right solution for every person, for some it can be a workable alternative to maxing out their credit card or dipping into their savings. However, it’s important that you don’t borrow more than you can afford to repay and that you stick to your moving budget. As part of Trusty Finance’s responsible lending obligations, we ensure we only approve loans to people we believe can comfortably meet their repayment obligations.

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