Rating based on 33 reviews

Quick & Easy Finance

  • Quick loans up to $20,000
  • Fast loan solutions
  • Repayment up to 36 months

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Quick & Easy Finance homepage
Author Quick & Easy Finance. Screenshot of Quick & Easy Finance website.
[Accessed May 3, 2023]

Quick and Easy Finance - Their loans are affordable

They are a proudly owned and operated Australian company that is based in Mitcham, Victoria that offers well-priced short-term loans as well as low-cost personal loans.

They do loans differently and have different approaches to lending. To bring you the best interest rate their payment method is a little different than traditional lenders as the payment needs to be deducted straight from your payroll, this means that your employer will need to agree to make the deductions.

Conditions for a loan

Most Government institutions and large companies offer this deduction method as a service to their employees. If your company does not have a payroll deduction service or refuses to agree to do deductions in this manner they may still be able to assist you, but strict conditions will apply.

They are different    

By doing their deductions in this manner they are able to offer you the lowest interest rates and save you money.

Many Australian citizens have a stable income and earn a good amount of money, but they have still turned away from banks and traditional lenders due to a bad credit score or a bad credit record. This means that they don’t have access to the bad credit loan when they need it. They noticed this problem and decided to do something about it. Before you decide to apply they encourage you to compare their instalment process against other lenders, so you can see how much you will be saving first-hand.

Their loans range from $500 - $20,000

They offer up to 20K in secured and unsecured quick loans and are specialists in dealing with secured loans. The loan assessment process can take a bit of time as they need to set up a payroll debit, but you can expect payment within 2 to 4 days.

They offer easy unsecured short-term personal loans with between 3 to 36 months to pay back the loan, the repayments will be set up and taken directly from your salary on a payroll debit. Once everything is set up they will pay the loan directly into your bank account.

How it works

To apply for one of their personal loans log onto their website and fill in the online application form chose the amount that you would like to borrow and how long you need to pay it back. 

The next step is the approval process.

  1. One of their consultants will assess your application and check your credit record and level of affordability.
  2. If your online loan application is approved their consultant will contact you to finalise the details and then send you a loan agreement. You can sign this agreement online for added convenience.
  3. They will then contact your employer to set up a payroll direct debit.
  4. The money will be paid directly into your bank account

Quick & Easy Finance – Quick loan

  • Loan Type Quick loans
  • Loan Amount up to $20,000
  • Repayment 3 months to 36 months

Benefits of Quick & Easy Finance

  • Apply for a quick loan online
  • Flexible loan terms
  • Simple loan applications

Quick loan calculator

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

Quick & Easy Finance - They are unique

To set up payroll debit can take between 2 to 4 days depending on your employer. As soon as it has been completed they will send you your quick loan.

To qualify for one of their loans you will need to meet the following criteria:

  • You must be employed as a full-time employee that is either a permanent or contract employee. Non-government employees must hold a permanent position
  • Your employee will need to deduct the payments directly from your payroll, so they will need to agree and sign your direct debit consent form.
  • You need to be at least 21 years old to apply
  • You may not borrow more than 20% of your income
  • You cannot be declared bankrupt or be under the administration
  • Your salary must be paid into your nominated bank account
  • You must be a resident of Australia

If you are a pensioner, self-employed or casual employee they will unfortunately not be able to assist you.

Can you pay off the loan early?

They encourage you to pay the loan back early if you are in the position to do so, to encourage you to do so they don’t charge you any fees or penalties.

Loan calculator

They have a loan calculator on their website to help you easily calculate how much your instalments will be. Their easy-to-use online calculator uses drop-down menus so that you can select how much you want to borrow and how long you need to pay it back then click calculator and see in an instant how much you will need to pay in weekly, fortnightly or monthly instalments.

Secured loans

They offer secured emergency loans of between $6,000 and $20,000 these loans need to be secured by using a vehicle that has been paid for in full and is insured and registered in your name.

A secured loan offers you an even lower interest rate but if you miss a payment on your loan then you will be at risk of losing your vehicle.

man holding thumbs up

Quick & Easy Finance is a trusted & reliable provider of quick loans

In our review, Quick & Easy Finance 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.

✅ Quick & Easy Finance is a registered credit provider in Australia: ACL 388143

Customer Reviews & Testimonials

QEF provides you with fast finance that is both affordable and competitive. Their employees are dedicated to providing the best possible service and products.

Mike D
— Smithton —

Thanks to their clever technology, Quick and Easy is able to process their loan applications a lot faster. That means faster payouts for us customers! I got my loan within the day!

Jenny S
— Stanley —

QEF is dedicated to giving back to the community. As an environmentally conscious individual, I enjoy their paperless applications and loan structure. I try to save wherever I can!

Melanie M
— Ararat —

Thanks to the nifty loan calculator offered on the Quick & Easy Finance website I was able to determine the best borrowing amount and borrowing period for my loan and budget.

Stephen D
— Mildura —

Quick & Easy Finance Contact

Contact Number



Physical Address

Postal Address

  • PO BOX 677 Kerrimuir Post Office, Hill North, VIC, 3129, Australia

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed