LastMinuteLoan.com offers small loans designed for quick access to cash, with options suited to people who may not qualify with traditional lenders. They provide two main types of loans:

1. Small Amount Credit Contracts (SACCs): Loans between $500 and $2,000 with terms from 16 to 50 weeks, typically involving a 20% establishment fee and a monthly 4% fee on the loan amount. For example, a $1,000 loan over three months would cost about $1,320.

2. Medium Amount Credit Contracts (MACCs): Loans from $2,001 to $3,000, with a 39- to 52-week term, a $400 establishment fee, and an interest rate up to 48% per year. A $3,000 loan over a year could total around $4,347.

They accommodate flexible repayment schedules and don’t charge for early repayments, which can benefit borrowers looking to minimize interest. The application is entirely online, and approved loans may be funded within an hour after contract signing.

For those with poor credit or relying on Centrelink payments, LastMinuteLoan might still be an option, although they don't guarantee approval in these cases. It's wise to review terms carefully, especially if you rely significantly on benefits, as they often cap how much can be covered by Centrelink income