Small loans up to $2,000
with nothing to hide

in installments of

in installments of

$0

Estimated total including $0 setup and monthly fees

Over 18 and earn over $30,000?
Your loan

in installments of

in installments of

$0

Estimated total including $0 setup and monthly fees

Over 18 and earn over $30,000?
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Remove stress from your life, don't add to it

We’re a lender with a difference

We’re a not-for-profit with the backing of one of Australia’s largest banks. There’s no hidden fees or charges. We’re about improving financial resilience.

About us

How to budget successfully

Learning to manage your money helps you achieve lifestyle goals as well as life goals. Here, Speckle shows you the top budgeting strategies for money success.

10 Strategies for Learning How to Budget Successfully

Money in the bank, fast

Apply online and get your money as fast as possible. Most loans get approved within two hours. The money could be in your account in around two days.

Fees and costs

Frequently asked questions

See all FAQs

Am I eligible for a Speckle loan?

As a minimum you:

  • Must be an Australian citizen or a Permanent Resident residing in Australia,
  • Must be at least 18 years of age
  • Must earn a minimum gross income of $30,000 annually which is not inclusive of government benefits e.g. Centrelink
  • Should have no more than 50% of your total income from government benefits e.g. Centrelink
  • Must have an Australian mobile number and valid email address.
  • Can't have had two or more small amount credit contracts e.g. payday loans in the last 90 days (from any provider)

Can I get a Speckle loan if I'm on government benefits?

It depends on your situation. You can't get a Speckle loan if you receive more than 50% of your income from government benefits.

How much does it cost?

It depends on your loan amount and repayment period. You can use our calculator tool on our homepage to get an idea of repayment amounts. Alternatively, head to our fees and costs page for more information.

How do you compare to others?

Speckle is a product of Good Shepherd Microfinance, a not-for-profit organisation whose aim is to promote economic wellbeing for people with low incomes and move them from financial crisis to resilience and inclusion. In keeping with this mission, Speckle's fees and costs are kept as low as possible and in most cases can be up to 50% cheaper than other similar lenders in the market.

When will I get my funds?

Generally it takes up to two business days to deposit the funds into your bank once your contract has been signed and confirmed. 

  • Am I eligible for a Speckle loan?

    As a minimum you:

    • Must be an Australian citizen or a Permanent Resident residing in Australia,
    • Must be at least 18 years of age
    • Must earn a minimum gross income of $30,000 annually which is not inclusive of government benefits e.g. Centrelink
    • Should have no more than 50% of your total income from government benefits e.g. Centrelink
    • Must have an Australian mobile number and valid email address.
    • Can't have had two or more small amount credit contracts e.g. payday loans in the last 90 days (from any provider)
  • Can I get a Speckle loan if I'm on government benefits?

    It depends on your situation. You can't get a Speckle loan if you receive more than 50% of your income from government benefits.

  • How much does it cost?

    It depends on your loan amount and repayment period. You can use our calculator tool on our homepage to get an idea of repayment amounts. Alternatively, head to our fees and costs page for more information.

  • How do you compare to others?

    Speckle is a product of Good Shepherd Microfinance, a not-for-profit organisation whose aim is to promote economic wellbeing for people with low incomes and move them from financial crisis to resilience and inclusion. In keeping with this mission, Speckle's fees and costs are kept as low as possible and in most cases can be up to 50% cheaper than other similar lenders in the market.

  • When will I get my funds?

    Generally it takes up to two business days to deposit the funds into your bank once your contract has been signed and confirmed.