Hello Australia Welcome to Breadmate
Hi, I'm Buddy, your guide here at Breadmate.
We are a lender focused on clear, responsible lending.
We set out our loan options, fees, and eligibility criteria up front, and every application is assessed individually.
Have a look around to learn how it all works.
Estimated Weekly Repayment: $48.00
Estimated Monthly Repayment: $128.00
$300 – $5,000 Loan Options
90 days – 24 months Repayment terms
Assessed under Responsible lending checks
Applicants must be Aged 18 and above
Why Breadmate Clear terms, Responsible checks
Explore short-term loan options up to $5,000 with clear fee and repayment information. Approval depends on eligibility criteria and responsible lending checks.
Clear information
Fees, charges, and repayment terms are set out before you accept, so you can make an informed decision.
Responsible checks
Every application is individually assessed as part of our responsible lending obligations.
For life's expenses
Our loans may help cover everyday essentials and unexpected expenses, subject to approval and eligibility criteria.
How it works Buddy walks you through it, step by step.
Explore short-term loan options up to $5,000 with clear fee and repayment information. Approval depends on eligibility criteria and responsible lending checks.
Below are the steps to expect once you start your application.
1
Apply Online
Submit an online application and upload the documents we ask for, such as ID and bank statements.
2
Verification & checks
We review your information and documents to complete our responsible lending checks.
3
Outcome
If approved, you can accept your offer electronically. Funds are released after verification is complete. Timeframes may vary.
Loan options Two contract types, clear breakdowns.
Breadmate offers personal loans with clear fees and flexible terms. Loans from $300 to $5,000 over 90 days to 24 months, for applicants with a regular income.
SACC Small Amount Credit Contracts Designed for smaller, short-term needs such as household expenses or minor emergencies.
- Loan amount $300 – $2,000
- Loan term 90 days – 12 months
- Establishment fee 20% of amount borrowed
- 4% monthly fee
MACC Medium Amount Credit Contracts Designed for larger commitments with higher loan amounts and longer repayment terms.
- Loan amount $2,001 – $5,000
- Loan term 90 days – 12 months
- Establishment fee $400
- Annual cost rate (interest) up to 48% p.a.