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Personal Loans Articles

Pre-Approval Loans: How They Work and Why They Matter

A pre-approval loan is an agreement between a lender and a borrower indicating how much the lender is willing to lend to the borrower, subject to certain conditions. - read more

Decoding Loan Interest Rates: What You Need to Know

Understanding interest rates is crucial when considering any loan. Interest rates determine how much you'll need to pay back over the life of a loan and can significantly affect the total cost. By gaining a solid grasp of how these rates work, you can make more informed decisions that could save you money in the long run. - read more

How to Improve Your Credit Score for Personal Loan Approval

Understanding what a credit score is and its importance is crucial for anyone seeking a personal loan. A credit score is a numerical representation of your creditworthiness, typically ranging from 0 to 1200 in Australia, provided by credit reporting agencies. - read more

Finance News

ASIC Highlights Concerns in Private Lending Sector

26 Apr 2026: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the private lending sector, revealing significant inconsistencies and potential risks. This scrutiny comes in response to the sector's rapid expansion, with private credit extending approximately $200 billion in loans, primarily to high-risk real estate developers and property investors. - read more

Regulators Focus on Non-Bank Lenders Amid Rising Popularity

26 Apr 2026: Paige Estritori

As more Australians turn to non-bank lenders for property loans, the Australian Securities and Investments Commission (ASIC) and the Reserve Bank of Australia (RBA) have intensified their scrutiny of this rapidly growing sector. The shift is driven by borrowers seeking more flexible lending criteria and competitive rates, especially in a housing market characterized by high prices and stringent bank lending standards. - read more

Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases

18 Apr 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, specializing 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

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Knowledgebase

Escrow:
An arrangement in which a third party temporarily holds money or property until a particular condition has been met.

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