savvy loans


Quick loan - Apply in just 5 minutes!

Paperless and Faxless Application Process

savvy loans

Fill out the application, at, and if approved 4 hours later you could have money in your account.*

Quick Loans

Get connected with a cash loan right now!

Get a loan of up to $5,000* Complete our simple 5 minute application and if approved the lend will send the money directly to your account. Bad Credit is not always an issue. Quick Loan Cash Loan

Personal Loans are available to all states of Australia. Most of our customers are from Sydney, Melbourne, Brisbane, Perth, Gold Coast and Sunshine Coast areas.

savvy loans

savvy loans

Savvy Loans in Australia: A Guide to Finding the Right Financing Solutions

Are you looking for a savvy loan in Australia? There are a variety of loan options available that can help you get the financing you need to reach your financial goals. In this guide, we’ll take a look at the different types of loans available in the country, what they entail, and how you can find the right loan for your financial situation.

What is a Savvy Loan?

A savvy loan is a type of loan that is designed to meet the specific needs of the borrower. These loans are typically tailored to the individual and can offer flexible repayment schedules, lower interest rates, and other features that can make it easier for borrowers to access the funds they need.

There are a number of loan types that can be considered savvy loans, including personal loans, business loans, and home loans. These loans are typically offered by lenders who are looking to provide financing solutions to borrowers who may not qualify for traditional bank loans.

Which Type of Loan is Right for Me?

When it comes to choosing the right type of loan, it’s important to consider your specific financial situation. Different loan types have different requirements and benefits, so it’s important to understand what you’re looking for and to compare different loan products before making a final decision.

Personal Loans

Personal loans are typically unsecured, meaning they don’t require collateral. This makes them a popular choice for borrowers who don’t have a lot of assets or who don’t want to put their assets at risk. Personal loans can be used for a variety of purposes, including home improvements, debt consolidation, and more.

Business Loans

Business loans are typically secured loans, meaning they require collateral. This makes them a great option for business owners who want to access financing to grow their businesses. Business loans can be used for a variety of purposes, such as purchasing equipment, hiring staff, and more.

Home Loans

Home loans are the most common type of savvy loan. These loans are typically secured, meaning they require collateral in the form of the home itself. Home loans are typically for larger amounts of money and are used for purchasing a home or refinancing an existing loan.

How Do I Find the Right Loan?

When it comes to finding the right loan for your situation, it’s important to shop around and compare different lenders and loan products. It’s also important to read the terms and conditions of any loan you’re considering carefully to make sure you understand all the fees and charges associated with the loan.

It’s also important to consider the interest rate of the loan you’re considering. The lower the interest rate, the less you’ll have to pay back over the life of the loan. It’s also important to consider the repayment terms of the loan and to make sure you’re comfortable with the repayment schedule.

Finally, it’s important to consider the customer service offered by the lender. Make sure you’re comfortable with the customer service you’re receiving, as it’s important to have a lender who is willing to work with you if you have any questions or problems.


Savvy loans in Australia can be a great way to access the financing you need to reach your financial goals. There are a variety of loan types available, so it’s important to consider your specific situation and shop around to find the right loan for you. Be sure to read the terms and conditions of any loan you’re considering carefully, and make sure you’re comfortable with the customer service provided by the lender. With the right loan, you can get the financing you need to reach your financial goals.


What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem is your best solution. A simplified application and

Is my personal information secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

Happy Customers and Keeps Counting

Get pre-approved for a personal loan today!


Eligible Borrower:


A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

Frequently asked questions

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours

Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.

Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.

Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

Customer Service Contact