Borrowers and lenders complete checks before key actions.
FAQ
Answers that make the app easier to trust.
Brolly is built around a simple idea: verified borrowers, verified lender funds, short-term loans, clear fees, structured repayments and visible wallet states inside one app.
Start here for the short version. The how-it-works, lender, underwriting and compliance pages go deeper.
Short-term loans1:1 matched lendingEligible amounts up to A$2,00030-day cycle12% p.a. lender target returnA$100 lender start
Borrowers see amount, fee, due date and total repayment before accepting.
Lenders see available, on hold, active, returned and earned wallet states.
The app and supporting pages explain target returns, repayment and protections in plain English.
01
Platform
What Brolly is and how the model works.
Start with the product basics before moving into borrowing, lending, data, payments and operations.
Platform What is Brolly?
Brolly is an Australian short-term lending app. It connects verified borrowers with verified lender funds through a 1:1 matched lending model.
Platform Is Brolly a bank?
No. Brolly is not a bank, deposit account or savings product.
Platform Is Brolly peer-to-peer lending?
Brolly uses a matched lending model where lender funds can be matched to borrower requests one loan at a time through the platform.
Platform Does money move directly from a lender’s bank account to a borrower’s bank account?
No. Money movement is handled through Brolly and payment partners, not direct lender-bank-to-borrower-bank transfer.
Platform Where is Brolly available?
Brolly is built for Australia. Availability depends on product rollout, onboarding and eligibility.
02
Borrowers
Borrowing through Brolly, without the fine-print fog.
Borrowers see the key numbers before accepting a short-term cycle.
Borrowers How much can I borrow?
Eligible borrowers can access set amounts up to A$2,000. The amount available depends on verification, affordability, product availability and current borrowing position.
Borrowers Is everyone eligible for A$2,000?
No. A$2,000 is the upper product amount, not a universal approval amount.
Borrowers What is the borrower fee?
Brolly shows a flat 5% borrower service fee before acceptance.
Borrowers How long is the borrower cycle?
The standard borrower cycle is 30 days.
Borrowers What do I see before accepting?
You see the amount, fee, due date, total repayment and relevant terms before accepting.
Borrowers Can I borrow again straight away?
Brolly is built around one active cycle. You repay the current cycle before reapplying or reborrowing.
Borrowers What checks happen before a loan is matched?
Brolly can check identity, consented bank-data signals, affordability, current borrowing position and product rules.
03
Lenders
How lending works when the exposure is visible.
Lenders can review the target return, controls and wallet states before funds are matched.
Lenders How do I become a lender?
Download Brolly, create a lender profile, complete checks, review the lender terms and fund your wallet.
Lenders What is the lender target return?
The lender target return is 12% p.a. It is a target, not a guaranteed outcome.
Lenders What is the minimum amount to start?
Current product references start from A$100, with A$100 increments.
Lenders Does Brolly charge a lender platform fee?
The standard lender page states A$0 lender platform fee.
Lenders How are funds matched?
Brolly matches available lender funds to eligible borrower requests one loan at a time. Matching depends on borrower eligibility, available lender funds, product availability and the app’s matching rules.
Lenders What is Auto-Deploy?
Auto-Deploy controls whether available funds in your Brolly wallet can be matched to new borrower requests.
Lenders Can I pause lending?
Yes. Pause Auto-Deploy when you want available funds to stay out of new matches.
Lenders What wallet states will I see?
The lender wallet distinguishes available, on hold, active, returned and earned states.
Lenders Can I withdraw funds?
Available wallet funds can be managed through the app. Funds already active in a loan are tied to that loan cycle until repayment or recovery.
04
Data and payments
The trust layer behind the app.
Data and payment rails help Brolly assess requests, move funds and update wallet states.
Data and payments Why does Brolly use bank data?
Consented bank-data signals help Brolly understand income, expenses and affordability before a borrower request is matched.
Data and payments Does connecting bank data guarantee approval?
No. Bank data is one input. Eligibility also depends on identity checks, affordability, product rules, current borrowing position and available lender funds.
Data and payments What payment rails does Brolly use?
Brolly uses platform and payment partner rails for top-ups, disbursement, repayment setup and wallet updates.
Data and payments What happens if repayment is late?
The loan status changes and Brolly can run reminders and recovery workflows. The lender wallet shows the updated state.
05
Returns and protections
What terms apply to lender returns and protections.
Target returns and support mechanisms need plain language.
Returns and protections Are lender returns guaranteed?
No. The 12% p.a. return is a target return. Final outcomes depend on borrower repayment, timing, recovery and the product terms.
Returns and protections Is the lender wallet a savings account?
No. Brolly is not a savings account, bank account or deposit product.
Returns and protections Are funds covered by the Financial Claims Scheme?
No. Lender funds are not covered by the Australian Government Financial Claims Scheme.
Returns and protections What if a borrower does not repay in full?
Brolly can use reminder and recovery workflows. Active funds may be delayed or lost if repayment or recovery is incomplete.
Returns and protections Does Brolly have an assurance account?
Any assurance, reserve or support mechanism is limited and subject to its terms. It should not be treated as insurance or a guarantee.
06
Groot and operations
How Brolly talks about AI and operating tools.
Brolly may use support tools internally while keeping decisions tied to product rules and review paths.
Groot and operations Does Brolly use AI?
Brolly may use AI/ML-supported tools and internal operating agents to help with routing, review, monitoring and records. These are support tools, not uncontrolled autonomous credit decision makers.
Groot and operations Does AI approve every borrower?
No. Decisions stay tied to verification, bank-data signals, product rules, policy controls and review paths.
Groot and operations Why mention Groot at all?
Groot is part of Brolly’s operating-layer direction: cleaner records, better review workflows and more scalable internal operations.
Still checking?
Still deciding? Open the app and see the flow.
Borrowers can check what may be available. Lenders can review the 12% p.a. target return, wallet states and Auto-Deploy controls before funds are matched.