Rating based on 41 reviews


  • Payday loans up to $2,000
  • Competitive terms
  • Repayment up to 12 months

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Author Speckle. Screenshot of Speckle website.
[Accessed May 3, 2023]

Speckle - A trusted credit provider

It is very rare that you will find a lender that is not really concerned about getting interest from clients but is rather concerned about helping them get through a difficult time.


In order to qualify for a short-term loan at Speckle, clients have to be:

  • Australian citizens or permanent citizens in Australia: This is because they want to ensure that they are dealing with people that are staying within the borders and are easily traceable.
  • Over the age of 18: Anybody who is younger is considered a child and is in no mind to be thinking about paying back loans
  • Must have an active Australian working number or email address: This makes it easier for them to contact you
  • Must receive a minimum gross revenue of $30,000 per annum, which is not inclusive of government benefits
  • Not borrow for more than 90 days


After you have supplied them with all relevant documentation, they will then assess your payday loan application and let you know the outcome.

Payday loans up to $2,000

Speckle is owned by Good Shepard Microfinance and National Australia Bank (NAB). The partnership works perfectly because both institutions want to give clients more of everything, including affordable payday loans, while they receive little to nothing in return.

Clients have to undergo an online application that consists of the following information:

  • Automated proof of identification particulars such as a Medicare card, Driver’s license or Passport
  • At most 90 days of bank statements. You can source these by electronic means or physically and you’ll find directives on how to source these in the application form
  • All subsidiary official papers supplied must be in your individual name. They do not work with commercial or corporate

Government benefits

There has to be a certain amount of money a client receives from the government in order to be considered for a Speckle quick loan. If you get half of your money from the administration, you will not qualify for a loan with their services. There has to be an additional source of income that a client receives apart from Centrelink for them to consider a loan application that is coming from such a client.

Speckle – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to $2,000
  • Repayment 3 months to 12 months

Benefits of Speckle

  • Choose between loan options
  • Get competitive rates
  • Flexible loan terms

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Speckle - with them you get low interest fees on your payday loan

Before they can deposit the money into your account, the client has to adhere to and sign all the terms and conditions attached to your application.

After this has been done, the money will be in your account in two business days.

Loan amount

They offer their clients payday loans ranging from $200 - $2000 payable in three months to a year. By using a loan calculator, you will be able to get an idea of how much you would pay and for how long.


Good Shepard Microfinance has one of the lowest loan fees. There will be no hidden costs incurred and everything is stated in black and white. People who have emergency loans with them save about 50 % on interest compared to what other credit advance companies are charging.

Speckle loan disapprovals

As much as they don’t force their clients to tell them why they need the money, they don’t support customers who take a loan to use it for:

  • Gambling
  • Debt consolidation
  • Refinancing
  • Business purposes


They don’t offer blacklisted loans to people that are bankrupt.

Self-funded retiree

In order to qualify for a loan at Speckle, a retiree has to ensure that they meet the minimal requirements.

Bad credit history

Although they would like to help every client with a financial crisis, a bad credit history may block your chances of getting a loan. However, they will assess the severity of your bad credit history before they make a final conclusion.

Completing the loan application

Clients that encounter problems completing their online loan applications can leave them an email at enquiries@speckle.com.au and they will respond to their queries as soon as possible.

Loan purpose

There is a list of reasons why you need a loan in the application process. Should you find that your reason is not included, please select “Other”.

Cooling off period

They have what they call a “cool off period” where the client can decide to change their mind about the loan and accept the terms and conditions without being held liable.

Early payment

There will be no fees incurred for paying off your loan earlier than the agreed date.

Increase loans

They don’t allow clients to increase the amount on a loan that is already existing and active.

Missed payments

Contact them as soon as possible if you encounter problems with paying off your short-term loan on time.


Having a default on your file means you haven’t made any means of paying back your loan in 60 days. The last thing you need is to have a default profile. Ensure that you speak to them as soon as you foresee a problem.

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Speckle is a trusted & reliable provider of payday loans

In our review, Speckle adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Speckle is a registered credit provider in Australia: ACL 522379

Customer Reviews & Testimonials

I couldn’t have asked for a better deal when I got my loan from Speckle.

Michael S
— Perth —

I was in a bit of a tight spot when it came to cash at the end of the month to fix my car and with the help of Speckle I had my cash in two days and my car fixed.

John M
— Brisbane —

Speckle Contact

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