Short-Term Loans

Obtaining your loan

If you are in need of a short-term loan, you have come to the right place. Easily apply online for a loan up to the value of $1000, within minutes, from anywhere in Australia!

How to apply

  1. Simply click Apply to submit an easy online application
  2. Once approved, the loan amount could be available in your account within hours (during business hours only; out of business hours may result in delayed processing).

We use a system that keeps your details safe and secure. Your loan will be based on your budget and ability to make repayments with ease. Fees and charges are clearly laid out with no hidden surprises.

Click Apply to start your online application.

Application details required

To submit and approve your loan we require the following:

  • your personal details
  • a bank statement

We take the hassle out of obtaining your information by using our safe, secure technology. Your details are obtained strictly with your permission and by using our secure technology. A 90-day statement is required.

Once you have successfully been through our approval process, borrowing consecutive times will become even easier.

Repayments on your loan

Making repayments is simple. Due to the smaller value of these short-term loans, the repayments are completed over a shorter period of time with the majority of our customers completing repayments within 4 to 8 weeks.

Your repayments are synced with the day your income is deposited into your bank account. These repayments are well matched to your ability to meet them.
We keep you well informed of repayments by setting reminders before, and on the day the direct debits will be made.

If you are concerned for any reason about meeting the repayments, please contact our support team. It is our aim to ensure that the repayment process is as predictable and painless as possible for you.

Once your information is on file, applying for subsequent loans is fast and easy. Head to our Member Portal and you can apply straightaway given your previous loan is paid out and settled.

The process

After approval has been meet for the short-term loan, your personal details will be verified. Any first-time customers will need to provide a copy of their most recent bank statement for a period of 90 days.

Details are obtained using Credit Sense. This is secure technology which accesses your statements online and restricts viewing to the information we need only.
Ordinarily your identity is confirmed online, however in a small amount of cases, you may be asked to supply a copy of your ID.

Once approval has been given we will contact you to keep you informed, with the funds expected to be deposited into your account within one business day.
Please be sure to read through the terms and conditions of all agreements.


Gold-Silver Standard Finance Pty Ltd only charges a flat fee of 5% of the amount borrowed.

If you choose to use Cigno’s service, there are other fees and charges applicable for the service.

View our Disclosures & Authorisations where you can see our full fee table for any additional fees.

Take the step today by completing our simple online application form. Apply now!