Whether you're planning a holiday, covering unexpected expenses, or giving the kitchen a makeover, our personal loans are designed to give you the freedom and flexibility you need. We compare lenders to find competitive rates and tailor solutions to suit your goals — with fast approvals and no unnecessary paperwork.
How It Works
Getting approved for a loan has never been easier!
You fill out the form
Fill out the form at the bottom of the page to arrange a consultation with one of our experienced brokers.
We find the best rates
We reach out to our contacts at over 80+ banks across Australia to find the perfect loan for your needs.
You get approved!
Once we find the best loans with the lowest rates for you, you pick out your fav' and get approved for you loan!
When it comes to obtaining a loan, one size does not fit all! Our personal loans are personally tailored to your circumstances- whether you're working a 9 to 5, or running your own business, our team have you covered!
Got Questions?
What is a personal loan and how does it work?
A personal loan is a set amount of money you borrow from a bank, credit union, or online lender, which you then repay in regular monthly instalments over an agreed term. To approve the loan, the lender reviews your credit score, income, employment, and any existing debts. If your application is approved, the funds are usually deposited into your account within a few days. From there, you simply make fixed repayments until the loan is fully paid off.
How much can I borrow with a personal loan?
How much you can borrow for a personal loan depends on your income, expenses, credit score, and overall financial situation. Most lenders offer personal loans starting from around a few thousand dollars up to $50,000 or more for strong applicants. The exact amount will vary based on how comfortably you can repay the loan, so the best way to find out your limit is to have your finances assessed by a lender or broker.
What’s the difference between a secured and unsecured personal loan?
A secured loan is backed by an asset the lender can claim if the loan isn’t repaid, such as a house, car, or savings. Because the lender has security, these loans usually offer lower interest rates, higher borrowing limits, and longer terms, although approval can take longer and the asset is at risk if repayments stop. An unsecured loan does not require any collateral. Instead, lenders assess your credit score, income, and financial history to decide if you qualify. These loans are faster to approve and involve less paperwork, but they often have higher interest rates, lower borrowing limits, and can be harder to access if your credit is not strong.
How long does it take to get approved for a personal loan?
Personal loan approvals are usually quite fast. In most cases, you can expect a decision within a few hours, and almost always within 48 hours if there are no complications.
Will applying for a personal loan affect my credit score?
Applying for a personal loan can affect your credit score because the lender will run a hard inquiry when you submit a full application. This usually lowers your score slightly, often by around five to ten points, and the effect generally fades within about a year, even though the inquiry stays on your report for two years. Your score can drop further if you submit multiple applications with different lenders in a short period, so it’s better to compare options using pre-qualification tools that only use soft checks. Once approved, a personal loan can actually help your score over time by adding a positive repayment history, reducing credit card balances if used for consolidation, and improving your overall credit mix.