Get Funding Fast with Private Lenders
Looking for a smarter way to get funds without going through the usual banking drama? A private lender could be the answer. Mango Credit and Mango Mortgages offer short-term loans backed by real estate, minus the long waits, credit checks, or piles of paperwork.
Quick Links
- What is a Private Lender?
- Why Choose a Private Lender Over a Bank?
- What Can a Private Money Loan Be Used For?
- Types of Loans We Offer as a Private Lender
- How Borrowing with a Private Money Lender Works
What is a Private Lender?
A private lender is a non-bank lender that provides short-term loans, usually secured against property. Unlike banks, private money lenders aren’t interested in your credit score or pay slips. Our focus is on what you need funding for and how we can get you there.
Why Choose a Private Lender Over a Bank?
Traditional lenders tend to make you jump through hoops. Private lenders in Australia, on the other hand, are known for flexibility and speed.
Here’s what you can expect from our private online loan lender:
- Minimal paperwork.
- No credit checks and no hit to your credit file.
- Fast approvals, often within 24 hours.
- Funds typically available in 3 to 5 business days.
- Tailored terms to suit your situation.
What Can a Private Money Loan Be Used For?
With a private money lender, your options are open as long as you have a clear plan to repay. This varies depending on the type of loan:
- Business loans: Repayment might come from future business capital, a refinance, or the sale of a property.
- Personal loans: We are only able to approve applications where the loan will be repaid from the proceeds of selling the secured property.
Common reasons people apply include:
- Business expansion or working capital.
- Renovations or property improvements.
- Bridging the gap between property purchases or sales.
- Paying unexpected tax bills or legal costs.
- Funding time-sensitive investments.
Types of Loans We Offer as a Private Lender
Caveat Loans
Need funds quickly? Our short-term caveat loans are perfect when you need a fast solution and already own property. These are typically approved within 24 hours, with funds available in just a few days.
First Mortgage Loans
If you’re buying a property or need quick funds but don’t want to deal with the banks, our short-term first mortgages offer a flexible, temporary solution.
Second Mortgage Loans
Current home loan is locked in and you don’t want to refinance? A second mortgage from our private lender in Australia can help you unlock extra equity without touching your primary loan.
Bridging Loans
Buying before you’ve sold? A bridging loan helps you access the equity in your existing property so you can secure the new one without rushing your sale.
Home Equity Loans
Tap into your property’s value with a short-term home equity loan. Whether for investing, launching a business, or covering a one-off cost, our private online loan lenders give you access to capital without the usual delays.
Mango Credit, Sought-After Private Lenders in Australia
We’ve been doing this for over 20 years, helping Aussies secure short-term funding when traditional lenders couldn’t deliver. With our private lender and online platform, you’ll experience:
- Transparent fees and interest rates (no hidden surprises).
- Fast and fair approvals.
- Real people behind the process – no bots, no waiting rooms.
- Loans sized to suit your real need, not just your max equity.
- A track record of helping businesses, individuals, and property owners across Australia.
- A genuine team who’s here to help you figure out the best way forward.
How Borrowing with a Private Money Lender Works
Applying for a private loan online with Mango Credit is simple:
- Apply online in minutes.
- We assess your property equity and goals
- Funds in 3–5 days if approved
Not sure what type of loan suits you best? Just get in touch. We can walk you through the pros and cons to find a solution that works for you.
Private Lending, Made for Real Life
At Mango Credit, we believe funding should fit your life, not the other way around, and we’re here to help you move forward with clarity and confidence.
Ready to apply? Use our simple online application form or give us a call at (02) 9555 7073. Our team of private lenders is friendly, experienced, and here to help you land on the front foot.
Private Lender FAQs
Can I borrow money from a private lender?
Absolutely. Borrowing from a private lender online is a simple way to access funds quickly, especially if banks have said no. Private lenders look at the equity you hold in property, not your credit score or lengthy paperwork. At Mango Credit, you can apply online and often get approval within 24 hours.
Is private lending legal in Australia?
Private lending in Australia is 100% legal and regulated. We operate within strict compliance guidelines, ensuring transparency and fair lending practices. You’ll know exactly what your loan costs and terms are before you commit.
Is a private lender better than a bank?
That depends on what you need. Banks tend to have longer approval times, strict criteria, and a lot of red tape. Our private lender moves faster, offers flexible terms, and provides more personal service. If you need short‑term funding, quick bridging finance, or a customised loan, private lenders are often the better fit.
Do private loans affect your credit?
Mango Credit doesn’t run credit checks. That means applying for a loan won’t affect your credit file. Instead of focusing on your credit score, we base approvals on the value of your property and your ability to repay. It’s a fuss-free way to secure funding when you need it most.