Personal loans.
Whether it’s for a holiday, to buy some furniture, pay for a uni course or even get married, we’re here to make your dreams a reality.
Secured loans
You provide collateral (such as the car or property) as security against the loan in case you can’t afford your repayments.
Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.
Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.
Unsecured loans
No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.
Fixed rate
Your interest rate and repayments will stay the same during the fixed term of your car loan.
Variable rate loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Secured loans
You provide collateral (such as the car or property) as security against the loan in case you can’t afford your repayments.
Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.
Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.
Unsecured loans
No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.
Fixed rate
Your interest rate and repayments will stay the same during the fixed term of your car loan.
Variable rate loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Loan types and features.
There are a number of different loan types and features available to you, learn more below. We are here to help answer your questions when you’re ready.
The loan process.
It’s easy. Six steps is all it takes to bring your plans to life to get the extra fund you need, fast. Sit back – we’ll do all the legwork for you.
Say hello
It all starts with taking about one minute to answer a few simple questions right here. When you’re done, we’ll meet to talk about your goals, opportunities and next steps, in person or online.
Research, research, research
We’ll compare multiple lenders and create a shortlist to suit your situation.
Understand the potential
Once you’ve chosen a lender, we'll get you pre-approved so you know how much you can borrow and understand the repayment plan.
Get sorted
With pre-approval in place, you can now get your plans in place.
Secure the finance
Once you’re ready to push the button, we’ll work to secure finance from your lender.
Done!
Book that holiday, get married, pay for a uni course. Whatever your plans, make it happen.
FAQs about personal loans.
What can I use a personal loan for?
Personal loans can be used for almost anything. The two most purposes are for paying down existing debt at a lower rate, also known as refinancing or credit card consolidation, or for making a purchase when you don’t have the money currently available. Examples include refinancing credit card debt, financing home improvements, buying a car, financing your wedding or paying for a funeral.
Do I need pre-approval for a personal loan?
It’s always good to go through a pre-approval process so you know where you stand. Getting a pre-approval costs nothing.
Personal loan repayment calculator.
How much are my personal loan repayments?
Use this calculator to find out how much your personal loan repayments will be.
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