How It Works

Discover how you can get a personal loan at lightning speed with Australia’s latest lender-finder.


Apply online

Fill in our 100% online application form - it’ll only take you minutes to complete. The best part is there’s no waiting lines or paperwork involved!

Magnifying Glass

We search for a lender

Once you submit your application, sit back and relax while we get to work and search to find you a suitable lender. We’re lightning-fast, so expect a quick outcome! We can usually find you a compatible lender in just 60-minutes*.


Meet your lender

If we find you a match (congratulations!), we’ll then pass on your details to the lender. They’ll get started on their assessment process and be in contact with you shortly!

Apply in minutes

Once you have applied, you can sit back and we'll take care of the rest.

Am I eligible?

To be eligible for our lender-finding service, you must:


Be over 18 years of age


Have a direct Australian contact number and email address


Be an Australian citizen or Permanent Resident


Have been receiving a regular income for at least 90-days

What do I need to apply?

Nothing - it’s that simple! There’s only a few details we need from you before we begin our search. Make sure you have the following handy:


Personal info (i.e. name, address, DOB)


Current phone number and email address


The reason for your loan


Online banking details and employment info


myGov details (if you currently receive Centrelink benefits)

Have a question?

Who can apply?

Anyone can apply! However, you’ll need to meet the following criteria to use our lender-finding service:

  • Be over 18 years of age
  • Be an Australian citizen or Permanent Resident
  • Have a direct Australian contact number and email address
  • Have been receiving a regular income for at least 90-days

How long does it take?

We understand that when you need a quick loan, you need it fast. With Lightning Personal Loans, you can get an outcome on your personal loan application in just 60-minutes*!

If I receive Centrelink payments, can I still apply?

Yes, of course! Most of the lenders we work with offer quick loans for people on Centrelink. As long as you can show you can afford your loan repayments while receiving government benefits, there should be little issue with finding you a lender!

Will you do a credit check?

As a lender-finding service, we don’t conduct credit checks ourselves. However, the lenders we work with may or may not conduct a credit check. But don’t fret if you have bad credit! Our partners are inclusive lenders and look at factors other than your credit score to get a better understanding of your ability to repay your loan.

Why Lightning Personal Loans?

Aussie lenders for Aussies

All of the lenders we work with are Australian owned and operated. We’re 100% online, Australia-wide, and we’re ready to help you secure a quick loan.

Even though we’re behind your screen, we are based right here in Australia. We’re 100% online, quick, and easy to use. We were founded by Aussies, for Aussies.

We make the lending process just a little bit easier. There are so many lenders out there, so it can be difficult and time-consuming to find the right fit. We’ve made it simple for you. We partner with other like-minded lenders that prioritise lightning-fast service.

So, whether you need a quick loan to repair your car, pay some outstanding bills, or go on a much-needed holiday, we can help you find a lender that just gets it.

We’re free to use

Not only are we lightning-fast, we’re also completely free to use. Meaning you can find your lender with no stress, no time spent researching, 100% for free.

Do you need your cash quickly? Well, that’s what a quick loan is for. We’re lightning-fast and so are our partners. We all want the same thing: to provide you with a quick loan when you need it most.

Whether you need $2,500 or $5,000, our lenders are here and ready to help you.

No stress, just lightning-fast outcomes

Why stress about finding the right lender? Use our 100% free, 100% online, 100% lightning-fast service.

Love your Lightning Personal Loans experience? Get in touch and let us know because we love to hear from our satisfied customers! That’s why we do what we do.

If you need more information, head over to our frequently asked questions page. Additionally, you can find our Privacy Policy and Acknowledgement & Consent for more details.