Bill Loans up to $25,000!

  • Large Bills & Other Invoices
  • Medical, dental, vet, household repairs, car repair bills and other payments considered
  • Tax Bill Payments
  • Larger than expected tax bills? Get the Nod from Noddle!
  • Decisions in 60 Minutes
  • Complete your application in minutes and get a decision in 60 minutes!1
  • Loans Paid Out in 60 Seconds
  • Get your money sent to your account in 60 seconds of signing your contract2
Bill Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Bill Payment Loans with Noddle

With Noddle, our loans could cover almost any kind of bill or invoiced expense up to $25,000. However regular utility bills are not covered. You can be sure we will offer you the best loan rate that we can3, based on your personal finances disclosed during your application. If we can't offer you the nod directly, we can refer you to another lender who may be able to assist you.

Some common bills covered:

  • Medical Bills
  • Car Service Repairs
  • Car Accident Repairs
  • Dental Bills
  • Vet Bills & Expenses
  • Household Repairs
  • Rental Bonds
  • Tax Debts
  • Other Bills

Fast Application, Fast Decision and Fast Payout!

Fast Loan Application

Your online application with Noddle should only take you 5 to 10 minutes to complete. Noddle's fast tech will be working in the background to assist you and make sure we have everything we need to make a fast loan approval decision. The information we will need from you includes your personal details, such as name, address, contact number and email. We also need your income and expenses as well as your 90 days bank statements in order to make a decision.

This part of your application should be easy for you to complete online and most customers complete this within between 5 and 10 minutes.

Get Started

Decision in 60 Minutes!

We can give you a decision within 60 minutes1, once your online application is complete and we have received your 90 days bank statements. We will offer you the best loan rate that we can3 which is based on your individual financial profile.

Fast Pay Out

If everything looks good, we have given you a loan offer and you are happy to proceed, we can transfer the loan funds to your bank account. As soon as you have signed your loan contract online, your loan payment will be sent to your bank account within 60 seconds2!

What kind of bills can I get paid with a bill payment loan?

A bill payment loan can cover many different kinds of bills and invoices, from tax bills, medical bills, dental bills, vet bills through to car repairs, household repairs and improvements and more.

What kind of bills are not covered by bill payment loans?

Regular hosuehold utility bills are not covered with our bill payment loans. It is recommended to contact your utility provider in the first instance or check out moneysmart.gov.au.

The following utility bills are not covered:

  • Electricity Bills
  • Gas Bills
  • Landline Phone & Mobile Phone Bills
  • Water Bills

How can I get help covering my tax bills?

A bill loan from Noddle could help cover an unexpected or large tax bill which you have not accounted for.

Can Noddle help with car repair bills?

Yes, it is possible to get a Car Repair Loan from Noddle. We could help with car repairs, service charges and maintenence, hire car and other issues.

How can I get help with my medical bills?

A Medical Loan from Noddle could help cover the costs of large medical bills, medication and other proceedures and equipment.

Will I need to present any invoices to support my application with Noddle?

No, in most cases that is not required. Noddle's smart tech application can gather all the information we need to make a quick, accurate and responsible lending decision. When you make an application with Noddle, we can give you a decision in 60 minutes1 of completing your application with us.

Can I get a loan for extra large utility bills?

No, sorry. Noddle can not cover utility bills. Please refer to MoneySmart.gov.au for assistance.

Can I get a loan for my dental bills with Noddle?

Yes, that is possible. Dental bills are often larger than we can plan for and can not wait. See our Medical Loans for more details.

How can I qualify for a bill loan?

The basic criteria to qualify for our bill loans is as below:

  • Over 18 years of age
  • An Australian Citizen or Permanent Resident
  • Have a regular income
  • Use internet banking
  • Have a mobile phone and email address

Will my loan be paid directly into my bank account?

Yes, after you have agreed to the terms of your loan with us and signed your contract online, your loan will be paid directly into your bank account within 60 seconds2!

How long will I have to repay my bill loan with Noddle?

Noddle offers tailored loans to suit your circumstances and affordability. Loans generally range from 12 months to 36 months.

How can I get the best loan rate with Noddle?

With Noddle, we will review your application and based on your financial profile will offer you the best loan rate that we can3.

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.