Who is Speckle?

Speckle is an independent charity with over 30 years collective experience in delivering innovative financial solutions to vulnerable Australians.

What makes Speckle different?

Speckle is different, we are a small and agile team who leverage technology and partnerships to provide scalable solutions.

We’re operating as a social enterprise

Operating for over two years Speckle has a strong track record. We are leveraging AI technology to help us identify early indicators of financial hardship to manage customers and cost.

We focus on customer care

Speckle’s aim is to ensure consumers are directed to the right option for them. Regardless of whether this is a Speckle loan, financial counselling support, or hardship assistance through their financial services provider.

Social impact is built into our DNA

Strengthening positive behaviours and health is at our core, understanding it, measuring it and supporting our customers to be the best they can with their money. We measure our customers savings, their ability to pay bills on time exploring how we can use the insights we collect to advocate for better policy and regulation.

Our commitment: We are customer-led

Speckle was designed through a collaborative process involving a range of stakeholders and expertise.

During the process three design principles were developed to guide the decisions in the development of the product, platform and brand:

customer led

The Tech

The technology allows the platform to easily add additional products and features also improving automation.

The Speckle platform is a cloud based solution that has been purpose built to integrate the latest consumer lending solutions enabling full end to end online loan origination processing.

Speckle works with 16 different software platforms to create a largely automated system from application to credit decision and loan management. 

speckle customer journey

The Loan

A Speckle loan is a small cash loan from $200 up to $2,000.

Being a not-for-profit, we offer our cash loans at around half the cost of a typical cash loan. We have saved our customers over $1.3 million in establishment fees and monthly fees, compared to if they had taken out cash loans with other similar lenders.

The Finance Tracker App

COMING SOON... Speckle has developed an app to provide our customers with a next level finance tracking app experience like no other in the category.

Not only can you manage your Speckle loan within the app, but also link all of your other accounts and cards, making it a one-stop finance tracking solution. It has a heap of other features, like: 

  • Automatically detects bills and prepares you for the next time that bill will be due
  • Customisable budget tracker
  • Expenses tracker
  • Set savings goals and challenges
  • Access your Speckle Customer Portal via the app
  • Personalised notifications, in-app nudges and content

speckle finance tracker

What are Speckle customers telling us?

Well, here's a few examples...

“Quick, easy application process with unbelievably helpful staff.” 
- Zarah

“It was quick and easy. The interest rates are far better than any other short term loans.”
- Brett

“I was very nervous doing this…it was easy to apply. Email communication was spot on.  Money was through quickly”
- Leenie

Speckle Customer Satisfaction:

Speckle customer satisfaction

Our Awards

We're only a couple of years old, but we've already started filling the trophy cabinet...

Click here to see the awards we've collected so far.