$20M+in loan requests processed· September 2026
Get matched with the right loan in 90 seconds.
Skypay Connect's intelligent matching connects you with the lender most likely to fund you. Borrow $300 to $75,0001.
AFCA Member No. 122755
Skypay Connect's intelligent matching connects you with the lender most likely to fund you. Borrow $300 to $75,0001.
The smarter way to borrow
Three simple steps between you and the right lender.
Tell us the amount you need
One short form — your amount, purpose and a few basics. No paperwork, no phone calls.
Get matched in seconds
Fast, smart matching — we connect you with the right lender on our panel in seconds, not a scattergun of applications.
Get funded fast
Review your offer with the matched lender and, once approved, funds can land in your account the same day.
A match, not a maze
Most comparison sites blast your details to everyone. We do the opposite — we find the lender that fits and send you there.
Intelligent matching
We don’t just forward your application. We match you with the lenders most likely to approve your specific situation.
Kinder on your credit
A smart match means fewer hard enquiries marking up your credit file from repeated rejections.
One application, many lenders
Search a panel of Australian lenders through a single form instead of filling out a dozen.
Fast, all online
A decision in minutes and, once approved by a lender, funds the same day. No queues, no calls.
Borrow from $300 to $75,000
Your final rate, term and fees are set by the lender you’re matched with after a full assessment. Here’s the typical shape.
Small Amount Credit Contract. Max charges: 20% establishment fee + 4% monthly fee (the legislated cap).
Medium Amount loans. Max charges: 48% annual interest + a $400 establishment fee.
Larger loans capped at a 48% comparison rate, depending on the matched lender.
Comparison rates and examples are illustrative only and apply to the example given. Different amounts, terms or fees may result in a different comparison rate. Credit criteria, fees, charges, terms and conditions apply and are subject to the matched lender’s assessment.
Are you eligible?
To get matched with a lender through Skypay Connect, you’ll need to meet a few basics. Tick all of these and you’re ready to apply.
Start your application- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Or hold a valid Australian visa
- Have an Australian residential address
- Be employed or earning at least $350 per week
- Have a contact number and email address
- Have a valid form of ID
Questions, answered
Skypay Connect is a matching service. We connect you with a lender on our panel that suits your situation. The lender makes the credit decision and provides the loan.
You can request anywhere from $300 to $75,000, and higher amounts may be available with selected lenders. The amount, rate and term you’re ultimately offered depend on the matched lender’s assessment of your circumstances.
Getting matched is designed to reduce wasted applications. Rather than applying to many lenders, you submit once and we direct you to the most suitable one. The matched lender will seek your consent before any credit check.
You’ll usually get a decision in minutes. Once a lender approves you and you sign your contract, funds can reach your account the same day, subject to your bank’s clearing times.
Personal expenses — car repairs, medical bills, bond and moving costs, consolidating a debt, or covering an unexpected gap. The matched lender confirms eligible purposes.
Understand your options
Practical guides to matching, repayments and alternatives. Take a moment to understand the next step before starting an application.
How loan matching works
What happens to your application, who decides and what to check before sharing your details.
Read guideUnderstand small-loan costs
Worked fee examples and a checklist for comparing the total amount repayable.
Read guideAfter a loan application is declined
Find out what happened and decide what needs to change before applying again.
Read guideBorrowing while receiving Centrelink
Questions to ask about income requirements, payment advances and other options.
Read guideUnderstand bad-credit loan options
Check your credit report, understand lender checks and avoid approval promises.
Read guidePaying for car repairs
Get a clear repair quote and compare payment options before borrowing.
Read guideReady to find your lender?
One quick form. The right match. A decision in minutes.
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