Apply for loan
Member login

An Online Loan Application with clear information

Apply online for a personal loan up to $5,000, with clear information about fees, charges, and repayment terms. All applications are subject to our responsible lending assessment.

Apply Now

Clear Terms, Responsible Checks.

Explore short-term loan options up to $5,000 with transparent fees and repayment details. Approval depends on eligibility criteria and responsible lending checks.

Apply Now

Online Loans for Unexpected Expenses

Complete an online application in minutes. If approved, you can review your offer electronically and receive funds as soon as the same day (timeframes may vary).

Apply Now

Welcome to Breadmate Pty Ltd Online loan applications with responsible lending checks

Breadmate Pty Ltd provides online consumer loans across Australia, offering loan amounts up to $5,000 with clear information about fees, charges, and repayment terms.

All applications are subject to our responsible lending assessment to help ensure the loan is not unsuitable.

Breadmate Loan Calculator

How much do you need mate?


$300

3 months

Estimated Weekly Repayment: $48.00

Estimated Monthly Repayment: $128.00

Our loans may help cover everyday essentials and unexpected expenses, subject to approval and eligibility criteria.

Emergency Loans

Weekend / travel costs

Renovation Loans

Repair Loans

Services Loans

Small Amount Credit Contracts (SACC)

For Small Loans our small amount credit contracts provide a convenient option to cover household expenses and minor costs.

Loan Amount: $300 – $2,000
Loan Term: 30 days – 12 months
Establishment Fee: 20% of the amount borrowed
Monthly Fee: 4% monthly fee

Start Applicationh
Get Helpu

Medium Amount Credit Contracts (MACC)

For Personal loans our medium amount credit contracts are ideal for larger expenses or long-term financial needs.

Loan Amount: $2,001 – $5,000
Loan Term: 30 days – 24 months
Establishment Fee: $400
Annual cost rate (interest): up to 48% per annum

Start Applicationh
Get Helpu

Need Cash Fast? Breadmate Delivers!

Our loans may help cover everyday essentials and unexpected expenses, subject to approval and eligibility criteria.

Apply Online

Step 1

Submit an online application.

Verification and checks

Step 2

We review information and documents to complete responsible lending checks.

 

Get Approval

Step 3

If approved, you can accept the offer electronically

FREQUENTLY ASKED QUESTIONS

Who is eligible for a loan with Breadmate?

L
K
Applicants must be Australian residents, over 18 years old, and have a minimum annual income of $32,000. Additionally, applicants cannot be under bankruptcy or a Part IX Debt Agreement.

How long does it take to receive funds?

L
K
Once approved, your loan funds are typically deposited into your bank account within 24 hours, giving you quick access.

Can I repay my loan early?

L
K
Absolutely! Early repayment is encouraged, and Breadmate doesn’t charge any penalties for paying off your loan before the term ends, which could save you on interest.

Are there hidden fees?

L
K
No, Breadmate Pty Ltd believes in full transparency. Our fees include an establishment fee and a monthly account-keeping fee, with no surprises or hidden costs.

What documents are required to apply?

L
K
You’ll need to submit 90 days of bank transactions, proof of ID (e.g., driver’s license and Medicare card), recent payslips, and proof of address to complete your application

Still have questions? Contact our friendly support team for more information!