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Personal Loans Articles

Key Strategies for Smooth Loan Approval

Pre-approval loans are a preliminary step in the loan approval process. They provide borrowers with a conditional commitment from a lender, indicating the maximum amount they are willing to lend, based on the borrower’s financial situation. - read more

Essential Steps to Take Before Applying for a Loan

Before considering a loan application, it's crucial to have a clear understanding of your current financial position. Start by noting down all sources of income, including salary, any additional earnings, or government benefits. This will give you a comprehensive view of your financial inflows. - read more

Mastering Money Management: The Essentials of Personal Budgeting

Embarking on a journey towards financial stability begins with the mastery of personal budgeting. It's the cornerstone of sound money management, where every dollar is allocated purposefully, paving the way for a future free from the shackles of financial stress. In this all-important first step, individuals learn the fine art of balancing their earnings with their expenditures, a fundamental skill for anyone looking to navigate their finances with confidence. - read more

Finance News

Rate Money Introduces Competitive Rates and Refinance Options for Self-Employed Australians

25 Mar 2026: Paige Estritori

In a financial landscape where many lenders are raising variable interest rates by 25 basis points in response to the Reserve Bank of Australia's recent rate hikes, Rate Money has taken a different approach. The non-bank lender, specialising in loans for self-employed individuals, has opted to increase their variable rates by only 15 to 20 basis points on select loan products. This decision aims to alleviate financial pressure on borrowers facing rising living costs and inflation. - read more

Australian Personal Loan Applications See Significant Uptick

25 Mar 2026: Paige Estritori

Recent data from Equifax's Consumer Market Pulse for Q4 2025 reveals a notable increase in personal loan applications across Australia. The report indicates an 8.9% rise in personal loan demand compared to the same period in 2024, reflecting a growing reliance on unsecured credit among consumers. - read more

Rising Personal Insolvencies in Australia Linked to Excessive Borrowing

25 Mar 2026: Paige Estritori

The Australian Financial Security Authority (AFSA) has reported a 5.3% annual increase in personal insolvencies, marking the third consecutive year of growth in this area. This trend highlights the mounting financial strain faced by many Australians, with excessive borrowing identified as the primary cause. - read more

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Knowledgebase

Cost of Capital:
The required return necessary to make a capital budgeting project, such as building a new factory, worthwhile.

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