Looking for a personal loan?
Are you putting off plans for travel or university because you simply cannot afford it?
Thinking of refreshing your home with a reno or purchasing that dream car but concerned that it is not financially feasible?
A personal loan could be the solution for you.
Types of personal loans
What is a personal loan?
Personal loans allow you to borrow a sum of money from a lender. You can then pay back the amount in weekly, fortnightly or monthly instalments over a loan term of your choice which usually ranges from one to seven years.
People often opt for personal loans to finance household goods, education, vehicle purchases and medical procedures or other personal plans like traveling and weddings. They can also be used for consolidating debts.
Some loans do not require you to pay approval, ongoing or exit fees – which means more money saved! We work with reputable lenders that offer such benefits or pitch more affordable rates.
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What are the loan types I should be aware of?
Fixed rate versus variable rate personal loans
Fixed rate loans give a fixed outline of interest rates and repayment instalments, so you know exactly what is coming up. However, if you feel that your circumstances might change during the duration of your loan, a variable rate loan is a great option to consider instead. These loans give you more flexibility over the frequency of payments or even extending the plan. Depending on the lender, you could make extra repayments at no added cost, thus cutting down your loan in quicker time and saving interest in the long-run.
Secured versus unsecured personal loans
Secure loans require a payment guarantee by using the security of your new car against the loan until you finish your repayments, the car can be repossessed if repayments cannot be made. An unsecured loan, on the other hand, does not require a guarantee as a form of security for the lender. Hence, unsecured personal loans typically entail considerably higher interest rates.
If you are considering unsecured personal loans but are worried that a bad credit history will affect approval, we can help you out with loans that have more flexible eligibility requirements.
How do I apply for a personal loan?
To be eligible for most personal loans, you should be at least 18 years old, be an Australian Permanent Resident / Citizen or hold a 457 Visa or Bridging Visa, and have a regular income. Some loans might require other criteria which we will discuss with you.
All we require from you is a general idea of the amount of money you need and your preferred repayment period. Then all you need to do is to give us a call and we will do the rest for you. Simple. All we need is five minutes of your time and we could have the funds in your account within 24 hours.
Are you looking for a loan for something specific?
We have a product to suit no matter what your dream – talk to us today.
We are switching things up here. For us, it is all about transparency. We look for any hidden catches and give you the uncomplicated picture. Your trust is important to us and we want to build a relationship with you that is genuine. As customers ourselves, we insist on honest solutions with benefits that are really just that – benefits.
We also understand that the process of finding and securing personal loans is never cut-and-dried. What works for someone else might not be the best fit for you. We want to find the right fit for now but also in the long run.
With the number of different rates and lenders out there, it can get overwhelming pretty quickly. So how do you know for sure you are stepping into the right plan?
That is where we come in. We have access to over 40 different lenders and are well acquainted with the variety of solutions available on the market right now.
You do not work for the loan – the loan works for you. The right personal loan matches your requirements and complements your interests. With our know-how and expertise, we do all the hard hustling for you to nab that perfect deal.
So dream big. Because we can help you get there.