FAQ's

How do I get paid so fast?

Your first last minute loan is transferred straight into your bank account within 60 minutes contract (during standard banking hours).

On average, people have the money available within minutes of the transfer. Sometimes it may take up to 2 hours, though, depending who you bank with.

What happens if I can't repay on time?

If you can't repay on time please let us know immediately so we can reschedule the repayment. The fee for missing repayments is $35.

We'll always contact you to try and sort out an affordable arrangement. If your account continues to be unresolved, daily fees of $7 will accrue. Find out more.

How much does it cost?

Our loans have the following simple cost structure:

20% of principal amount (establishment fee)
+ 4% of principal amount per month.

The easiest way to see how much your loan would cost is to play with our calculator.

Click here to see what other fees may apply.

Are there any renewal fees?

LastMinuteLoan doesn't renew loans by rolling them over or by refinancing the loan, and therefore we don't charge renewal fees.

How it works in 3 simple steps

Step 1

5 minute application

Applying with LastMinuteLoan is incredibly quick. The average time is just 5 min and 44 seconds.

Step 2

Decision in minutes.

Get a decision within minutes
of applying.

Step 3

Paid in 60 minutes

Get paid within 60 minutes during standard banking hours. If you bank with Commbank, you're paid within minutes.

Cost Calculator

Use the calculator to see how much it costs and what your repayments look like.
LastMinuteLoan always shows you the exact cost upfront. There are no surprises or hidden fees.

How much would you like?

$350
$100
$1000

How often are you paid?

Select first repayment date:

Thu 5, Feb
2 Feb
10 Feb