Small Amount Credit Contracts Small loans (SACC).
This is our smaller, short-term option, $300 to $2,000, over 90 days to 12 months, with the fees set out below. All applications are subject to eligibility criteria and responsible lending checks. Whether it's right for you depends on your circumstances, so take a look at the details before you apply.
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
What Can a Small Account Credit Contract Loan Be Used For?
- Paying household bills or utility expenses
- Covering urgent repairs (home, car, or appliances)
- Managing school-related costs
- Supporting short-term cash flow gaps
- Handling unexpected minor expenses
Whether a loan is right for you depends on your circumstances. Consider the fees and repayment terms before you apply.