About Coogans Personal Loans

We offer personal loans to approved clients up to $10,000 with flexible terms of up to five years, stay in control with a fixed interest rate and know exactly how much your repayments will be for the life of the loan, with the flexibility to make additional payments at any time. 

Our personal lending is designed to give your life’s ambitions a clear direction with the best financial solution to make it happen.

Personal finance allows you to start now, not later, through a well-managed repayment program, specifically aimed to alleviate any financial stress.

We make the process easy – make payments when it suits you!

With low establishment fees and no ongoing fees with our personal loans.

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Features of Coogans Personal Loans

All loans are not created equal, Coogans Personal Loans are a great option with lots of flexibility.

Flexible Payment Options

Our Personal Loans are tailored to suit your personal needs and give the flexibility to pay weekly, fortnightly or monthly.

A Better Finance Solution

We care about our customers.  Our dedicated team will strive to find the best personal loan solution for you.

Competitive Rates

We offer secured and unsecured personal loans with interest rates staring at 16% depending on your credit assessment and personal circumstance and establishment fees from $50.

Fast Approvals

Once your application has been submitted, along with supporting documentation, you will get an answer quickly.  We are usually able to do this within the same business day!

Personal Loan - Eligibility

We don’t discriminate against personal circumstance or age, we are happy to consider finance for customers that are self-employed, on a government benefitstudying or with no previous credit history. 


Minimum age of applicant : 18 years, after that, we don’t mind how old you are! 


As long are you are receiving demonstratable income we are happy to consider your application providing you can afford it. 

Credit Rating

Although we look at your credit rating, we taka number of other factors into consideration to be able to offer you the best financial solution. 

Loan Repayment Examples

$2000 Loan over 24 months you would pay $98 per month or $23 per week.

*This example is based on a 16% interest secured loan over 24 months and only relevant to the example given, other fees and charges may apply.

$5000 loan over 60 months  you would pay $127 per month or $30 per week.

*This example is based on a 18% interest loan over 60 months and only relevant to the example given, other fees and charges may apply

Frequently Asked Questions

No, you will only pay a one-off establishment fee. 

The interest is charged at the start of the loan.  You will know exactly how much you are going to pay over the term of the loan.  The interest is calculated on the reducing balance, not the total amount of your loan.

Example: $1,000 loan over 12 months at 20% interest, total interest payable will be $112.  Monthly payment for this loan will be $93 per month.

*This example is for comparison only.  Fees, interest and terms are calculated on credit assessment and dependent on personal circumstances.

Yes of course you can, we treat everyone as individuals regardless of your income type. 

You can pay by either BPAYbank transfer, over the phone with a card, come into a Coogans branch or we can set up a direct debit for you. 

We are always here to help, and we understand that sometimes circumstances change, please let us know if your payment will be late to avoid a late fee.