Why people choose LastMinuteLoan.

Our LastMinuteLoan application form is super-fast and the easiest around! It is sent to the best fit lender from a panel of lenders.

A Last Minute Loan

$200 - $3000 you really need

Get a last minute loan when you really need it. LastMinuteLoan is a fast and simple, short-term solution, not a long-term problem.

No Messy Paperwork

Super-fast application

Applying with LastMinuteLoan is super-fast, taking just minutes. A automated system is fully online so no painful face-to-face meetings.

Get an Answer Fast

Decision in minutes

A simple, automated system gives you a decision within 5 minutes of receiving your completed application.

Don't Wait Around

Get your money fast

Your first cash loan goes straight into your bank account within 60 minutes of signing the contract.

How it works

Step 1

5 minute application

Applying with LastMinuteLoan is super-fast and should take you less than 5 minutes.

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.

Sound good? check this out.

Terms: Minimum 16 weeks to Maximum 52 weeks

Maximum APR of 98% including all fees and charges


How do I get paid so fast?

Your first 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.

Are there any renewal fees?

Loans are not rolled over or refinanced, and therefore no renewal fee is charged.

The penalties for non payment vary depending on the lender that finally fullfils your loan requirements. They range from civil legal action to ongoing fee's and charges untill the loan balance is settled.

What are the penalties for non payment?

What is Our APR?

For our Small Loans of $200 to $2,000, an APR (Annual Percentage Rate) doesn't apply. These loans are fee-based only, so they don't have an APR. The Medium Loans have a maximum APR of 48%. The Small Loans have a maximum APR of 98%.

How much does it cost?

You'll always see a clear breakdown of all your fees and repayments before you confirm your loan. As a quick reference, though, here's a general breakdown of fees:

What happens if I can't repay on time?

If you can't repay on time please let the lender know immediately so they can reschedule the repayment. The fee for missing repayments is $15. Other fees and charges may also apply depending on the lender. If you miss a payment, the lender will always try to contact you to attempt to sort out an affordable arrangement.


All participating lenders comply with all government regulations related to short term loans and are compliant. Lastminuteloan is compliant with all regulations related to the referral of loan enquiries.