Speckle Loans

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Money & Finances

Speckle offers small loans from $200 to $2000 with repayment options ranging from 3 months to 1 year. The repayment options are flexible so you can pay early and as often as you like with no extra fees.

Am I eligible? As a minimum you:

  • Must be an Australian citizen or a Permanent Resident residing in Australia
  • Must be at least 18 years of age
  • Must earn a minimum gross income of $22,000 annually
  • Should not receive more than 50% of your total income from Centerlink
  • Must have an Australian mobile number and valid email address

For further information visit the website.

If you are experiencing financial hardship a loan might not be the answer. Call the Affordable SA Helpline on 1800 025 539 or the National Debt Helpline on 1800 007 007 to speak to a Financial Counsellor to review your options. Financial Counsellors are free, independent and confidential.


Last updated 17 November, 2020

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Have you heard of Speckle? The not for profit small loan alternative

Have you heard of Speckle? The not for profit small loan alternative

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4 April, 2018

Speckle offers an alternative when you need a small loan for life's expenses (without the hidden costs). They are an Australian small lender run by a not-for-profit which means all fees and charges go back into keeping costs as low as possible so more people can borrow better. Loans from $200 to $2000 available within a few days.

Speckle was created by Good Shepherd Microfinance and National Australia Bank (NAB). Speckle loans are issued by Good Shepherd Microfinance.

Call 13 43 23

Good Shepherd Microfinance bring a long history of putting people first in providing fair and affordable finance. They are most well-known for the No Interest Loan Scheme (NILS) – a safe, fair and affordable loan for people who have problems accessing credit. As a not-for-profit organisation, Good Shepherd Microfinance works closely with local communities to provide access to financial products that meet the essential needs of many Australians.

National Australia Bank (NAB) has joined forces with Good Shepherd Microfinance for over 14 years to help build a stronger and more resilient Australia, providing more people with access to appropriate and affordable financial products and services.

If you are experiencing financial hardship a loan might not be the answer. Call the Affordable SA Helpline on 1800 025 539 or the National Debt Helpline on 1800 007 007. Speak to a Financial Counsellor and review your options, there may be another alternative or assistance available. Financial Counsellors are free, independent and confidential. They are on your side and can help negotiate issues with service providers, debt and budget problems.

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