INVESTMENT SCAMS: If you are looking for a fast way to make money, watch out – scammers have invented all sorts of fake money-making opportunities to prey on your enthusiasm and get hold of your cash. If you suspect that you have been scammed visit Staying Secure and call LLL 1800 556 457.

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LLL loans empower steps of faith for Christian communities around Australia.

At LLL, we have been championing the advancement of Christian communities since 1921.

Whether you're looking to grow your organisation's wealth or build on an idea for the future, we'll help you realise your goals through support and lending partnerships that are driven by purpose, not profit.

Our investment and loan products enable Christian organisations to develop while directly impacting the advancement of your community.

We're not a bank, so we can be more flexible and accommodating in funding difference-making projects of all shapes and sizes.

Of course, at the centre of everything we do is a singular purpose that we share with all Christian communities: to tell people about the love of Jesus, and love people like Jesus. This is what defines us and sets us apart.

So, what's your big idea? We want to hear it. We want to help you realise it.

If you're an organisation of any Christian denomination, LLL will empower you to take a step of faith towards the progressive change you want to create in your community.

To take the next step, reach out to our expert Relationship team to start a conversation.

Lending interest rate

From 1 April, 2026, the LLL Loan interest rate is:

Secured borrowings

from 4.85% p.a.

Unsecured borrowings

from 5.35% p.a.

Loan interest is calculated on daily balances and charged quarterly on 31 March, 30 June, 30 September, and 31 December.

The Overdraft interest rate is 6.40% p.a.

Benefits of a tailored LLL Loan

icon_go   No up-front fees or charges:  A tailored LLL Loan has no up-front application fees or charges. A line fee may be payable on loans that include a redraw feature.

icon_go   Negotiable term: Our maximum Loan term is 30 years, inclusive of any interest-only periods. This long-term stability means our partners are not locked into short-term loan contracts that require renegotiation at the end of each period, potentially incurring additional costs, time and effort.

icon_go   No penalties: We don't penalise our partners for making extra payments on a variable rate Loan facility.

icon_go   Repayment holidays: Available where Loan repayments are in advance.

icon_go   Overdraft facility*: Enjoy greater flexibility as you pursue your missional goals.

icon_go   Shared mission: At LLL, we are for purpose, not for profit. We are proud of our shared missional partnership with our borrowers and are committed to working together to help achieve your goals.

If your school, retirement living/aged care facility or congregation has a missional objective that could be achieved through a partnership with LLL, our dedicated Relationship team is ready to assist with any applications or existing lending queries via email -  [email protected] - or call us on 1800 556 457.

Complete Business Loan Application Form

For loan variations and other inquiries, please contact the LLL Relationship team on 1800 556 457.

* Subject to approval.

Concordia College's Fortiter Gymnasium was built with the aid of a tailored LLL Loan.

Photo: Concordia College's impressive Fortiter Gymnasium was built with the aid of a tailored LLL Loan.