Credit Guide
Get approved quickly with flexible repayment options tailored to your financial situation. No hidden fees, no stress.
Quick Calculator
$5500
Your repayment is:
$137.50
Weekly
Repayment amount is a guide only. Actual fees and charges may apply.
Indicative Rates & Examples
Transparent pricing with no hidden surprises. See what your repayments could look like across different loan terms.
Borrow
$500
Costs:
$165
Borrow
$1,000
Costs:
$330
Borrow
$1,500
Costs:
$495
Borrow
$2,000
Costs:
$660
Example Scenario
A personal loan of $1,000 over 3 months has fees and charges totalling $330. Minimum term: 2 months | Maximum term: 3 months | Max ACR: 48.67% | Total repayments: $1,330
Borrow
$500
Costs:
$220
Borrow
$1,000
Costs:
$440
Borrow
$1,500
Costs:
$660
Borrow
$2,000
Costs:
$880
Example Scenario
A personal loan of $1,000 over 6 months has fees and charges totalling $440. Minimum term: 2 months | Maximum term: 12 months | APR: Not applicable
Borrow
$2,100
Costs:
$1,345
Borrow
$2,200
Costs:
$1,390
Borrow
$2,500
Costs:
$1,525
Borrow
$2,999
Costs:
$1,749
Example Scenario
A personal loan of $2,500 for 13 months has fees and charges totalling $1,525. Min: 12 months | Max: 13 months | Max ACR: 44.95% | Comparison Rate (based on $2,500 over 24 months): 34.28%
Borrow
$3,000
Costs:
$1,750
Borrow
$3,500
Costs:
$1,975
Borrow
$4,000
Costs:
$2,200
Borrow
$4,600
Costs:
$2,470
Example Scenario
A personal loan of $4,000 for 15 months has fees and charges totalling $2,200. Min: 15 months | Max: 16 months | Max ACR: 45.31% | Comparison Rate (based on $2,500 over 24 months): 34.28%
Borrow
$5,000
Costs:
$2,650
Borrow
$6,000
Costs:
$3,100
Borrow
$7,000
Costs:
$3,550
Borrow
$7,500
Costs:
$3,775
Example Scenario
A personal loan of $5,000 for 19 months has fees and charges totalling $2,650. Min: 19 months | Max: 20 months | Max ACR: 46.03% | Comparison Rate (based on $10,000 over 36 months): 25.35%
Important Disclaimer
These examples are provided for illustrative purposes only and do not constitute a quote, offer, or approval guarantee. Actual repayment amounts may vary materially depending on individual credit assessments, final loan approval terms, and any adjustments to fees or interest rates that may apply.
Comparison Rate Notice
The Comparison Rate is based on specific loan amounts and timeframes. Different loan amounts and terms result in different Comparison Rates. Costs such as redraw and early repayment fees are not included but may influence total borrowing costs. Contact us or visit our website for complete details.
Lender :
Hardeep Kumar Wagla t/as Installment Loans
ABN No: 13-690-290-821
Australian Credit Licence No. 389610
8 Budawang Street, Parkinson 4115
Telephone: 0457 857 029
Assessing your suitability
To comply with the National Consumer Credit Protection (NCCP) Act we must not offer credit to you or increase your credit limit if the contract is not suitable for you. Credit contracts are deemed as unsuitable if at the time of application:
You are not able to meet your financial obligations under the contract.
Meeting your repayment obligations will cause substantial hardship.
The contract does not meet your needs.
Your suitability will be assessed before you enter in a new credit contract or increase the limit of an existing one.
We must provide a copy our assessment to you on request at no charge:
Before you enter into a credit contract (or increase the credit limit of a current contract).
Within 2 years of entering into/updating the credit contract.
At any time, we must action your request within 21 business days.
We are not required to provide you with a copy of the assessment if:
Your request is received more than 7 years after the contract was entered into.
Before you either enter into a credit contract or we increase your credit limit on existing credit contract you may have with us.
Dispute Resolution
Installment Loans provide our customers with readily accessible, free internal and external dispute resolution processes.
What is a dispute?
Disputes arise when you complain to Installment Loans regarding a service or product are dissatisfied with the response, we give you.
How do I resolve a dispute?
The first step is to contact our Internal Dispute Resolution team in writing detailing your dispute. To ensure the fastest possible turnaround times, please provide us with as much information as possible.
Internal Dispute Resolution
You will be notified in writing of the outcome of your dispute and the reasons for this outcome by the IDR officer. If you are unhappy with the outcome you can utilise our external dispute resolution scheme at no charge.
You do not have any obligations to pursue disputes with Installment Loans using their internal dispute resolution procedures.
You may commence legal proceedings at the same time as you are utilising the internal dispute resolution procedure.
Installment Loans IDR procedure does not waive any of your legal rights according to the law or any contract between you and Installment Loans. Contracts may include but are not limited to: loan contracts, guarantees, terms and conditions of account(s).
External Dispute Resolution
This is a free service established to provide you an independent external body to resolve specific complaints.
External Dispute Resolution requirements:
Firstly, you need to attempt to resolve your complaint with us via our IDR service.
You may contact our external dispute resolution scheme if:
Your complaint is unresolved after seeking internal resolution; or
If you need legal advice.
They will take legal principles, industry codes, good industry practice and relevant determinations of previous similar cases by the AFCA or their predecessors.
Their contact details are below:
Australian Financial Complaints Authority Ltd (AFCA)
GPO Box 3
Melbourne, VIC 3001
Phone: 1800 931 678 (9am to 5pm AEST)
Email: info@afca.org.au
Fax: (03) 9613 6399
Website: www.afca.org.au
online complaint form click here.
If you need more information regarding AFCA and their Terms of Reference visit their office or website.
What if I have questions or need more information?
If you need more information about the services offered by Installment Loans or this guide, please contact us using the details below:
Installment Loans
Ph. 0457857029
Email: loansinstallment@gmail.com
Why Choose Us
We're committed to making loans simple, transparent, and accessible to Australians just like you. With over a decade of experience in financial services, we understand what borrowers need.
100% Online, No Paperwork
Complete your entire application online in minutes. No forms to print, no documents to mail, no trips to the bank. Everything happens securely through our encrypted platform.
Flexible Repayment Terms
Choose weekly, fortnightly, or monthly repayments that align perfectly with your pay cycle. Take control of your finances with repayment options that work for you.
Transparent & Secure
No hidden fees, no surprises. Your data is encrypted and protected with bank-level security. We believe in total transparency in every transaction.
Simple Application Process
Get approved in just 3 easy steps
1
Apply Online
Fill out your personal and financial details in our secure online form. It's quick, easy, and takes less than 5 minutes. We only ask for essential information.
2
Get Approved
Our team reviews your application and provides a decision within 24 hours. We'll contact you directly to discuss your loan terms and answer any questions.
3
Receive Funds
Once approved, funds transfer directly to your nominated bank account on the same or next business day. Access your funds quickly when you need them most.
What Our Customers Say
Real feedback from real customers who trusted us with their financial needs
Super Fast & Easy
I was approved and had funds in my account within 24 hours. The entire process was straightforward and hassle-free. Exactly what I needed!
Excellent Support
The team answered all my questions thoroughly and professionally. They explained everything clearly and made me feel confident about my decision.
Flexible & Fair
I loved being able to choose my own repayment schedule. The flexibility with fortnightly payments aligned perfectly with my payday. Couldn't ask for better!
No Hidden Fees
Transparent pricing with absolutely zero surprises. The total cost was exactly what they quoted. This is how borrowing should work!
Ready to Get Started?
Apply now and get a decision within 24 hours. Available anywhere in Australia.