Winner of Canstar's Innovation
Excellence Award 2022*
Winner of Canstar's Innovation Excellence Award 2022*
Easy online application with an
outcome typically
within 60 minutes
Once approved, we’ll transfer money
to your bank
account in seconds
Download our app to manage your
account and repayments
with ease
We bet you'll be happy with our low rates.
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies. Comparison as of: 14/09/2022
Out of 2,701 reviews
Low rate loans for baby expenses
When you’re thinking about baby-related expenses, BubPay could be the solution you are looking for, allowing you to borrow up to $50,000 in minutes. Let’s face it, babies aren’t cheap and as your family grows, so do your expenses.
A BubPay personal loan allows you to borrow funds starting at 6.25% p.a. with flexible terms and repayments of up to 5 years. With a little extra cash in hand, you can be assured that your bub gets the best care—from preparing essentials such as prams, clothes, baby capsules, furniture, toys all the way to the bigger expenses such as hospital fees and pediatrician appointments. BubPay helps you cover all of these, and more.
You must be 18+, employed, and an Australian resident to be eligible to apply. Complete your online application in these easy steps:
Becoming a parent is a joyful moment, and sometimes fertility treatments can be a necessary step towards growing your family. BubPay offers you quick, easy finance for egg freezing, in vitro fertilisation (IVF), intrauterine insemination (IUI), and other assisted pregnancy options.
We understand that while these services may be partly covered by health policies, there may still be some significant out-of-pocket expenses for doctor appointments, laboratory tests, and other procedures that can all add up. BubPay’s low rate personal loans give you just the financial assistance you need, with flexible repayments that you can control and adjust via mobile app, all with zero early exit fees.
It’s not just spending for one or two anymore—your little bub has arrived! BubPay personal loans allow you to get fast and easy access to that extra cash you need for your family’s growing expenses. Everything happens online, from your application up to receiving your funds.
BubPay uses advanced technology and machine learning algorithms to ensure you get an outcome fast. We also ask for a read-only copy of your online bank statement within the last 90 days, which we can access through a secure online portal that uses security-level encryption just like your bank.
These snapshots, along with the comprehensive credit report and some personal, employment and everyday spending details, are all we need to come up with a decision for your loan application. Depending on who you bank with, once you’re approved your extra baby funds may hit your bank account in as little as 60 minutes.
Welcoming your bub can be blissful and challenging, and finances shouldn’t get in the way of the excitement. Whether you are expecting your first baby or adding a new member to your family, it’s nice to know that you have access to low rate personal loans as backup funds on top of your family savings.
A BubPay personal loan is not just meant for your bub’s basic needs—you can also use the extra cash for playdates and fun. With a straightforward application process, you can have the funds for creating memories as early as possible with your baby, such as paying for newborn photoshoots and your first-ever family travel.
Interest rate
8.70
%
p.a.
to 24.70
%
p.a.
Comparison rate*
10.08
%
p.a.
to 26.08
%
p.a.
Establishment fee
(Direct applications)
$395 for loans between $5,001 and $15,000
$495 for loans between $15,001 and $50,000
Monthly fee
$10.00
Loan terms
Minimum 3 years
Maximum 5 years
Early exit fees
None
*This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A $495 establishment fee and $10 monthly fee applies.
Low rate loans for baby expenses
Credit history
Your repayments will consist of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*
