How it works


How it works.


Fast, secure, smart

With Ferratum's automated lending platform, our 100% secure application ensures we offer you the most flexible online loans, and fastest payout times in Australia. All while providing you with world-class Customer Care.

Join the Ferratum family and see the difference.


Our easy application only takes 10 minutes to complete.



Your information is safe with bank grade encryption.



Funds are deposited directly to your bank account.



Fast Loan Mobile Application

1) Pick your amount

Select how much you need to fund your passion. From $500 to $1900. Now, pick a term that works for you. From 3 to 12 months.



Tip: Check out our Costs page to see exactly what you'll be paying.



Ferratum Canada personal loans

2) Apply online 24/7

Our easy to use application takes about 10 minutes, and with Ferratum's intelligent scoring system you'll get a decision in minutes. Forget piles of paperwork and waiting in line at the bank.



Tip: Make the application process smoother by ensuring you meet our lending requirements before you start.



Quick Loan Mobile Application

3) Money in the bank

Once approved, your online loan funds will be automatically deposited into your bank account. It doesn't get easier than this.



Tip: Generally you'll receive funds in as little as 1 hour, or next day if you apply after traditional banking hours.



See why our customers love us

Ferratum is Australia's #1 trusted digital lender with happy customers from across Australia.




Who are we?

Ferratum Australia currently provide consumers with small and simple online loans. These loans are easy for customers to understand and are often provided to customers who have been neglected by mainstream lenders such as big banks.

In Australia the name "Ferratum" adds to the unique nature of the company and is a great reminder of our northern European origins. It is a reminder that Ferratum will stick to the Finnish values of hard work, customer service and respect. Ferratum in Australia is sometimes misspelt in some strange ways. Just some of the ways we have seen Ferratum misspelt include feratum, farretum, ferretum and even fereatuam just to name a few. Once a customer even called us fairyartum! It really doesn't matter what you'd like to call us because we know once you've tried us you'll call us the best. So, forget the others and just remember for all your small loan, quick finance needs you just need to remember Ferratum!



Mobile Loan Application

Want to join the Ferratum family?

As an international pioneer in the field of financial technology and mobile lending, we believe in doing things differently.

Simply fill in our online application through our easy-to-use website. Applications are completely free, and after completing one you'll receive a decision within minutes. Once you're approved, you'll get the money you need deposited directly into your bank account.

      Apply Now