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Essential Information

Continue × We offer three different types of loans. Essentially the length of time and the amount you are seeking to borrow affects the setup fee and interest rate that we will charge you.
  1. If you hold a Health or Concession Card, and you wish to borrow up to $1200 for essential household items and repay within 12 months to suit your budget. You may be eligible for a NILS* loan which has no fees or interest.
  2. Otherwise, you may be eligible for a Community Loan (*Terms and Conditions apply). Community Loans are loans between $500 and $4000.
    1. If you choose to repay the loan within 12 months, we will charge you a 20% setup fee.*
    2. If you choose to repay the loan over a 24 month repayment term. We will charge you 20% setup fee and 15% interest per year.*

Personal Loans (Fixed Rate)

Unsecured Personal Loans Setup Fee Interest Rate Comparison Rate1
Unsecured Personal Community Loan
(loans between $500 and $4000 for 12 months)
20% 0% 35%
Unsecured Personal Community Loan
(loans between $500 and $4000 for 24 months)
20% 15% 34.4%
NILS Loan – 12 month repayment 0% 0% 0%

1 The comparison rates displayed are calculated for unsecured personal loans based on a loan amount of $2,500 over a 2 year loan term and for unsecured personal loans based on a loan amount of $2,500 over a 1 year loan term.

* Warning: The comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

* Foresters Community Finance is accredited through Good Shepherd Microfinance to provide NILS.

Continue ×

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warning about borrowing

Warning - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems

Check your options before you borrow:

  1. For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  2. Talk to your electricity, gas, phone or water provider to work out a payment plan.
  3. If you are on government benefits, ask if you can receive an advance from Centrelink:
Go www.moneysmart.gov.au — MoneySmart shows you how small amount loans work and suggests other options that may help you. *This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

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    Do You Want aCOMMUNITY LOAN?

    When you need money fast, it’s quick and easy to apply for a loan with Foresters. With a range of Community and Enterprise loans available

    START YOUR LOAN APPLICATION RIGHT NOW →

What documents do I need for a loan?

Don’t Let Credit Issues Stand In The Way Of Your Financial Freedom

Everyone deserves a second chance in life. We're here to help you overcome your financial challenges

Community Loans

If you’re looking for a personal loan but are not able to access finance from a bank or mainstream lender, we could have a product that is suitable for you.

Apply Now →
 

Enterprise Loans

If you’re a sole trader who is unable to access finance from a bank or mainstream lender, our Enterprise Loans could be the solution for you to grow your small business.

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My Foresters Login

Foresters make it easy for you to be able to register and login to view your loan account balances and transaction history

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Discover how we are helping everyday Australians create better lives.

Foresters Featured on Nine News

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Foresters is now aB Corporation

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 Warning About Borrowing
Foresters Community Finance

  

07 3851 8000

CCIQ House 375 Wickham Terrace, Spring Hill QLD 4000

© 2016– Foresters Community Finance Limited. ABN 32 087 649 296. All Rights Reserved. Australian credit licence number 398639

Loans
  • Community Loans
  • Enterprise Loans
About Foresters
  • About Us
  • Vision and Purpose
  • Our History
  • Partnerships
  • Corporate Governance
  • Testimonials
Help
  • Contact Us
  • How it Works
  • FAQ
  • Site Map
Foresters For You
  • How Foresters Works for You
  • Who Can Apply for a Loan
  • How to Choose the Right Loan
  • Preparing for a Loan
Legal & Compliance
  • Warning About Borrowing
  • Privacy Policy
  • Financial Hardship
  • Responsible Lending
  • Payment Options
  • Security
  • Feedback and Complaints
  • Terms and Conditions
  • Credit Guide
  • Money Smart