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Personal Loans Articles

How Responsible Lending Checks Work for Personal Loans in Australia

Responsible lending checks help lenders assess whether a personal loan is suitable for an applicant's needs and affordable based on their financial situation. Here's why lenders ask detailed questions about income, expenses and loan purpose in Australia. - read more

Interest Rates, Comparison Rates and Personal Loan Fees Explained

Personal loan interest rates are only one part of the borrowing cost. This guide explains how interest rates, comparison rates, fees and loan terms affect repayments and the total cost of a personal loan in Australia. - read more

Comparing Loan Options: Strategic Thinking for the Financially Conscious Australian

As Australians navigate the complex world of finance, understanding the nuances of borrowing can make a significant difference in one’s economic well-being. Being credit-savvy is not just about securing a loan; it's about making informed decisions that align with your long-term financial goals. In this pursuit, comparing loan options emerges as a crucial step for the financially conscious Australian. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Finance News

A2A Payments Roadmap: What Personal Loan Borrowers Should Watch

23 Jul 2026: Paige Estritori

Australia’s payments system is moving into a new phase, with the Account-to-Account Payments Roundtable releasing a national vision for how bank-to-bank payments should develop. The group brings together AusPayNet, Australian Payments Plus, the Reserve Bank of Australia and Treasury, and its latest update points to a future where everyday transfers are safer, more reliable, easier to use and more inclusive. - read more

RBA Card Data Points to Ongoing Pressure on Household Debt

16 Jul 2026: Paige Estritori

The Reserve Bank of Australia�s latest retail payments figures, released on 7 July 2026, add another useful snapshot of how Australians are managing day-to-day spending and short-term debt. In May 2026, total purchases on Australian-issued cards reached $99.7 billion, with credit and charge cards accounting for $40.7 billion and debit cards making up $59.0 billion. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more

Australians Lean Further Into Personal Credit

09 Jul 2026: Paige Estritori

Australia’s appetite for personal credit has shown another lift, with the Reserve Bank of Australia’s latest financial aggregates pointing to renewed momentum in May 2026. The data, released on 30 June, shows personal credit rose by 0.6 per cent over the month, up from 0.2 per cent in April. Over the year to May, personal credit was 4.4 per cent higher, compared with 2.9 per cent annual growth at the same point last year. - read more

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