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White Goods Loans Online Australia 2022

How much do you know about white goods loans Australia? Whether your home’s furniture is in dire need of updating or if you’re moving into a new home and need to furnish it, white goods loans can come in handy. Washing machines, fridges, and other household items, aka, “white goods,” don’t grow on trees (sadly), and that means cold hard cash is required to get them from the shop showroom floor and into your home where they can be enjoyed and put to good use.

Let’s face it, white goods don’t come cheap, and that’s why so many everyday Aussies are on the hunt for affordable loans for white goods. In this overview, we will look at white goods loans, how they work, and how to apply for them.

What Are White Goods Loans & How Do They Work?

Understanding how white goods loans works will help you decide if such a loan is right for you. Getting white goods loans Australia enables you to buy the following items and pay them off in monthly instalments. The following items are considered “white goods” in Australia:

Washing machines






White goods loans are loans designed to help people, just like you get the household goods they need to run a healthy and happy home. Like regular online cash loans, loans for white goods require you to repay the loan over a certain time with interest attached. If the loan is $2,000 or below, you won’t be expected to pay interest but will need to pay 4% monthly charges and a 20% once-off establishment fee. If your loan is $2,001 or above, the lender will charge interest which can be anything up to 48% APR. Most loans for white goods are between $300 and $10,000 with 3 to 24 months to pay.

Types Of Loans For White Goods Australia

If you’re thinking about applying for white goods loans, you will have several types of loans to choose between. These include the following:

Same Day White Goods Loans

If you’re looking for new household goods for your home, there’s no reason you have to wait. Perhaps there’s a sale at your favourite furniture store, and you want to take advantage of the savings, or you just don’t want to wait to get all the goodies your home needs. With same day white goods loans, there’s no waiting around. The cash you need can be deposited into your bank account on the very same day that your loan is approved. In fact, you probably won’t wait more than an hour.

Centrelink White Goods Loans

Centrelink white goods loans are ideal for those on benefits but don’t have enough cash flow to replace the kettle or purchase a new stove (or other household goods). With Centrelink loans for white goods, you can loan between $300 and $10,000. However, you will need to meet the eligibility requirements, which means you must earn at least $350 per week, and Centrelink benefits cannot amount to more than 50% of that income.

Unemployed Loans For White Goods

If you don’t have a traditional job, you may think there’s no opportunity to get a white goods loan. Most people without “normal” jobs worry that they can’t prove their income or earnings is enough. To be eligible for white goods loans for unemployed individuals, you need to earn $350 per week minimum, so you still need to earn an income. You can earn your money from rental income, freelancing, running your own business, dividends, or similar.

Bad Credit White Goods Loans

If your credit score isn’t quite up to the standard required by the local bank, you may think that white goods loans are out of reach for you. But that’s simply not true. Each lender on the panel at pays more attention to affordability than your financial past. This means that you will be required to provide a list of your monthly expenses and prove your monthly income. If the documentation proves that you can comfortably afford the loan, you will be considered eligible for white goods loans.

Payday Loans For White Goods

Sometimes white goods loans don’t have to be a hefty amount. What if you just need to replace the kettle, microwave, or another kitchen appliance? You may be able to afford it but only on payday. All you need is a bit of bridging cash to get you to your next payday. Small loans of $300 to $2,000 can be acquired at Smaller loans are typically paid back over three months, but the lenders we connect borrowers with offer loan repayment options of 3 to 24 months, depending on loan amount and affordability.

Features Of Centrelink Loans For White Goods

Centrelink loans for white goods and same day cash loans for white goods have the same features as follows:

100% Online Process

Applying for white goods loans has never been easier. Simply apply online in a few minutes, upload any requested supporting documentation, sign the agreement online (it’s really simple to do), and receive the cash in your account. There are no queues to stand in and no reason to leave your home or office to apply for white goods loans.

Australia’s Finest White Goods Loan Providers

If you’re looking for white goods loans, you want to make sure that you’re applying for loans with lenders that specifically provide loans for white goods. At, we put borrowers in contact with some of Australia’s finest lenders that are most likely to approve your loan. Moreover, all lenders on the panel are verified and transparent in their dealings.

Flexible Loan Amounts

When applying for white goods loans Australia, you can expect flexible loan amounts to be on offer. These typically range from $300 to $10,000 with 3 to 24 months to pay.

Advantages And Disadvantages Of White Goods Loans Australia At

The following pros and cons are expected when applying for white goods loans in Australia:


60-Minute Payout

When applying for white goods loans Australia you can expect a quick payout of the cash you need. Once the loan is approved, which generally takes just a few minutes, the cash can be paid out into your bank account within 1-hour of approval.

0% Interest On Loans Up To $2,000

Interest has a way of mounting up, and if you’re looking for white goods loans, you may worry that the interest will be expensive. The great news about white goods loans Australia via the website is that they come with 0% interest if the loan is up to $2,000. With small loans of $2,000 or less, there is a 4% monthly service charge and a 20% establishment fee. However, if you borrow over $2,000, you can pay up to 48% APR.

Centrelink And Unemployed Borrowers Welcome

While most traditional banks will deny financial aid to unemployed individuals and people on Centrelink benefits, can put you in touch with lenders who are most likely to approve your loan. Of course, you must meet the minimum eligibility requirements. Both Centrelink and unemployed borrowers must earn at least $350 per week.


Loans Over $2,000 Have Interest Attached

Unfortunately, interest is a real thing to do deal with in Australia, especially if you’re loaning a hefty amount. If you want to get away with no interest, you’ll need to apply for white goods loans under $2,000. Loans of $2,001 and above come with up to 48% interest. That said, some lenders do provide a lower interest rate in an effort to be competitive.

Examples Of Loans For White Goods


Max Loan Amount

Paid Out Within


Sunshine Loans


60 minutes

2-4 months

Credit 24


Same day

Up to 36 months

Steps To Apply For Centrelink White Goods Loans

Applying for same day white goods loans is quick and easy. Below are the steps to follow:

Step 1: Gather Important Documents

There are several important documents required for white goods loans applications. These include a copy of your ID (Medicare card or driver’s license), proof of residential address, and proof of income (payslips and bank statements).

Step 2: Complete The Online Application Form

Simply open the online application form (find the form in the top right side of the screen) and complete it with your personal particulars. The white goods loans form will require your full name and surname, physical address, employment details, bank details (for the payment and direct debit), and a complete list of your expenses.

Step 3: Wait For Your Application To Be Reviewed

Once you have submitted your application form for loans for white goods, it takes just a few minutes for it to be reviewed. The automated system will connect you with a lender most likely to approve and honour your loan. It takes around 2 minutes for approval, and if you’re happy with the offer, you will be transferred directly to the lender to finalise the deal. Before signing, you must read through the entire contract and agree to the terms and conditions.

Step 4: Get The Cash

Once your loan contract is signed and received by the lender, the money will be delivered into your bank account. The lenders on the panel do their best to pay out loans within 60 minutes of loan approval. There are some instances where the payout process may take a little longer, but not usually more than 24 hours.

Are You Eligible For Loans For White Goods?

If you answer “yes” to the following questions, you’re eligible for a white goods loan:

Are you 18 years of age or older?

Are you a citizen or permanent resident of Australia?

Do you have proof of physical residence in Australia?

Do you earn at least $350 per week?

If you are on Centrelink benefits, do your benefits amount to less than 50% of your income?

Loans For White Goods Australia – FAQ’s

Can Centrelink Help With Buying A Fridge?

While you can use your Centrelink benefits to pay for household purchases, you may find white goods loans better suited to your needs. In addition, taking out Centrelink loans for white goods won’t impact your regular monthly cash flow. If you’re already on Centrelink benefits, your benefits must not make up more than 50% of your monthly income to be eligible

What Can I Buy With White Goods Loans Australia?

White goods loans in Australia can be used to buy household appliances such as microwaves, stoves, fridges, and similar.

How Can I Buy White Goods On Credit If I Have Bad Credit?

While household appliance stores may reject bad credit borrower’s credit applications, it doesn’t mean that you cannot buy the household goods you need if you don’t have a great credit score. You can apply for white goods loans online at even with bad credit, as long as you can prove that you can afford to repay the loan.

Do White Goods Loans Australia Have Interest?

Interest is not charged on loans of up $2,000 but any loans higher than that will come with up to 48% interest.

How Do I Repay My White Goods Loan?

If you arrange a white goods loan via the website you will come to a repayment agreement directly with the lender. Most lenders require loan repayments over 3 to 24 months. The loan amount is paid back plus interest unless your loan is under $2,000. In which case, you will need to pay a 4% monthly charge and a 20% once-off establishment fee. Lenders typically set up a direct debit that automatically charges your bank account each month on a date pre-agreed between you and the lender.

Do I Need A Guarantor When Applying For A Loan With

No, you don’t need a guarantor if you earn the stipulated $350 per week and can afford the white goods loans repayment. 

How much would you like to borrow?

  • Quick
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100% Safe and secure. Apply with confidence, your privacy is always protected.