Short-Term Financing Solutions in Australia
Fast, Flexible, Real Estate-Backed Loans from Mango Credit & Mango Mortgages
At Mango Credit, we’re all about making short-term loans simple, fast and stress-free. Whether you’re a homeowner looking to access equity for a renovation or a business needing quick working capital, our short-term financing options are built to move at your pace.
If you’ve got real estate and a need for quick funds, we can usually get you the funds within a few days. No complicated forms, long waits, or credit checks.
The Simple Way to Obtain Short-Term Loans
- $50K – $500K+
- By caveat, second or first mortgage
- Funding typically within 3 to 5 working days from application
- Loan terms from 2 to 24+ months
- Australia-wide
- No credit check or income assessment
- Minimal documentation
- Real estate backed (real estate required to obtain a loan)
- Flexible underwriting
- No hit to your credit file
Fast Short-Term Finance Across Australia
We like to say ‘YES’ WITHOUT THE ‘BUT’
Need funds quickly to buy time, seize an opportunity, or smooth out cash flow? We say “yes” to helping you move forward.
Our short-term and bridging finance solutions are designed to give you breathing space without complicated hoops to jump through. Whether you’re after a short-term loan for investment or need a personal bridging loan to access equity in your home, our aim is simple: fast approvals, transparent costs and real support from a team who listens.
Over 20 Years of Short-Term Finance Experience
Since 2001, Mango Credit & Mango Mortgages have been helping individuals unlock the equity in their property through short-term loans in Australia.
We’re an established private lender offering everything from short-term business loans to second mortgage solutions. Thousands of borrowers have trusted us for quick, no-fuss funding when banks couldn’t deliver.
What sets us apart? We work with people, not just paperwork. You tell us what you need funds for, and we’ll figure out the best way to get it done. We’re all about providing solutions that are flexible, transparent, and tailored to you.
Click here to read Mango Credit Reviews.
Why consider us for your short-term loans?
- We are committed to understanding our client’s needs and providing the most suitable loan and terms to their individual requirements.
- We are completely transparent on our fees, charges, interest rates and additional costs for late repayments.
- Our application process is simple and easy, with minimal documentation and flexible underwriting.
- Our funding is quickly available, typically within 3-5 working days from application.
- We consistently strive to be fair in all of our transactions.
What Makes Mango Different – Smart Short-Term Loans Online
Transparent Upfront Costs
We’re completely transparent about our fees, charges, interest rates, and any additional costs for late repayments. When you apply for our short-term loans online, you’ll know exactly what you’re agreeing to – no hidden surprises or tricky conditions.
Timely Access to Funds
Our short-term financing is designed to move quickly. Funding is typically available within 3 to 5 working days of your application, so you can secure the money you need without the delays you’d expect from traditional lenders.
Minimal Paperwork & Flexible Underwriting
We keep our process simple. With minimal documentation and flexible underwriting, our team looks at your situation as a whole – not just a credit score. This makes it easier for you to access short-term finance in Australia when you need it most.
Loans Sized to Fit Your Needs
We don’t automatically push you to borrow the maximum amount you qualify for. Instead, we work with you to provide the right-sized loan for your circumstances, making every online short-term loan practical and affordable.
A Personalised Approach
We’re committed to understanding why you need funding and what you’re trying to achieve. By tailoring our short-term finance online solutions to your situation, we help ensure the loan genuinely benefits you, whether you’re using it for personal or business purposes.
Nationwide Access with Full Compliance
Our loans are available across Australia and are fully NCCP-compliant for consumer lending. This means you can access short-term loans with confidence, knowing you’re protected by fair lending practices and a team that genuinely cares.
Short-Term Loans We Offer
We offer a varied range of short-term loans across Australia, all designed to get you from ‘need’ to ‘done’ without the usual fuss.
| Caveat Loans | First Mortgage Loans | Second Mortgage Loans | Home Equity Loans |
Caveat Loans
Access funds quickly by securing short-term caveat loans against your property. This is ideal for bridging between property sales, renovations, development projects, or short-term business finance. Minimal documentation and approvals within one business day.
First Mortgages
When you need a first mortgage but only for a limited period, our short-term first mortgages offer a flexible alternative to traditional bank loans. Perfect for property purchases, renovations, construction costs, or business ventures.
Second Mortgage
Have equity in your home, but can’t extend your primary loan? A short-term second mortgage gives you access to significant funds for personal or business needs such as debt consolidation, equipment purchases, or a large one-off expense.
Bridging Loan
A bridging loan lets you manage cash flow between buying and selling properties. It’s a fast way to access equity without rushing your sale, helping you pay deposits, renovate, or cover moving costs.
Home Equity Loans
If you’ve built up equity, a short-term home equity loan can give you quick access to larger sums for renovations, investment property deposits, business working capital, or repaying tax and personal debts.
Need Short-Term Finance Online? Start with Mango Credit
If you’re looking for short-term loans and want straight answers, fast approvals, and a team that genuinely wants to help, you’ve come to the right place. Whether you’re applying for a short-term loan in Australia to fix a short-term gap or to grab an unexpected opportunity, Mango Credit is here to help.
Reach out to our friendly team today at:
- info@mangocredit.com.au
- (02) 9555 7073
Short-Term Loans FAQs
Can I get a short-term loan in Australia with a bad credit score?
Yes. At Mango Credit, we don’t run credit checks for our short-term loans. Instead of focusing on your credit history, we look at the value of your real estate and what you need the funds for. If you have equity in a property and a clear plan to repay the loan (such as from the sale of a home or business income), we may be able to help, even if your credit file isn’t perfect.
Do you offer short-term loans in Australia with no credit check?
All our short-term finance options are credit-check-free. That means applying for a short-term loan online with us won’t leave a mark on your credit report.
Our options are backed by real estate, not your credit score, so you can apply with confidence.
How fast can I get a short-term loan with instant approval?
While we don’t promise “instant approval”, our team moves quick. Most of our short-term finance approvals happen within 24 hours, and funds are usually available within 3 to 5 working days from the time you apply.
Are unsecured short-term loans available?
No, all our loans require real estate as security. We don’t offer unsecured loans. Instead, our loans are backed by property (either through a first mortgage, second mortgage, or caveat loan). If you own real estate and need quick funding, our short-term finance online options are built for that exact purpose.
Are your short-term loans available across Australia?
Yes, our short-term loans are available nationwide. As long as the property you’re using as security meets our criteria, we can help.
Note, the criteria may change depending on the loan you’re applying for. Speak to our team for more details.