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$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 $50,0001.
Free to apply
Matched in seconds
100% online
Free to apply
Matched in seconds
100% online
AFCA Member No. 122755
Skypay Connect's intelligent matching connects you with the lender most likely to fund you. Borrow $300 to $50,0001.
Inside Connect
Meet your smart
loan matching engine.
Your application starts a quick search. Our smart matching technology checks lender criteria to help find a match for you.
Your application
↓
Connect matching
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A potential lender match
Connect checks for a match
Our matching technology checks your application against lender criteria.
Continue with the lender
If matched, continue with the lender to review your options and complete their assessment.
Matching is subject to eligibility. Approval, terms and funding times are determined by the lender.
Why Skypay Connect
Built to make the search faster.
A straightforward way to explore your loan options.
Fast to get started
A short application gets your lender search moving.
One form, more options
Access a panel of lenders through a single starting point.
A secure next step
Your information helps us search for a suitable lender.
Free to use
There is no fee to apply through Skypay Connect.
Loan options
Borrow from $300 to $50,000
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 amounts
$300 – $2,000
Terms 3 – 12 months
Small Amount Credit Contract. Max charges: 20% establishment fee + 4% monthly fee (the legislated cap).
Medium amounts
$2,001 – $5,000
Terms 13 – 24 months
Medium Amount loans. Max charges: 48% annual interest + a $400 establishment fee.
Larger amounts
$5,001 – $50,000
Terms 13 – 36 months
Larger loans capped at a 48% comparison rate, depending on the matched lender.
Loan terms, maximum charges and cost example
Repayment periods: minimum 3 months and maximum 36 months, depending on the loan and lender. Applying through Skypay Connect is free.
Maximum rates and fees: small amount credit contracts up to $2,000 have an establishment fee of up to 20% and a monthly fee of up to 4% of the amount borrowed. For $2,001–$5,000 loans, the maximum annual interest rate is 48%, plus an establishment fee of up to $400. Larger loans have a maximum comparison rate of 48% p.a., depending on the matched lender. These are different cost measures; the small-loan monthly fee is not an annual interest rate.
Representative small-loan cost example: borrowing $2,000 for 6 months with a 20% establishment fee ($400) and six monthly fees of 4% ($80 per month, $480 in total) gives total scheduled fees of $880 and total repayments of $2,880 — equivalent to six monthly repayments of $480. This is an illustrative example at the maximum scheduled fees, not a loan offer. It assumes repayments are on time; default or enforcement costs are not included. Your lender will disclose your actual fees and repayment schedule before you accept a contract.
Skypay Connect is a referral service, not a lender. Skypay Pty Ltd, 10 Pulteney St, Adelaide SA 5000. Approval and terms depend on the matched lender’s assessment.
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.
Eligibility
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
FAQ
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 $50,000, 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.
Before you borrowBrowse all guides
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.
Apply now
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