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Personal Loans Australia

Need Help Finding a Loan? Find out if you qualify and compare loan offers, rates & options from multiple lenders - without affecting your credit file!

All finance quotes are provided free (via our secure server) and without obligation. We respect your privacy.

Any Loan Type

Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance - without accessing your credit file!

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Free assessment

Simply complete our short online loan enquiry form for direct access to a specialist broker or lender who can best accomodate your specific needs and circumstances.

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Multiple lenders

When you submit an online loan enquiry with us, we match your details instantly against the lending criteria of over 2000 finance professionals across Australia - all competing for your business.

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No credit check

Unlike most online loan websites, submitting your finance enquiry with us does not result in an entry recorded on your credit file. Multiple credit file entries can make it considerably more difficult to obtain a loan and can severely limit your options.

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Warning to Borrowers: Unsecured personal loans

The following information is specific to unsecured personal loans.

Minimum period for repayment 6 months, maximum period 5 years.

The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.

For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.

Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Personal Loans Articles

18 Hot Tips For Intending Borrowers

If you're thinking of borrowing money to buy a car, boat, debt consolidation, home repairs, medical bills or anything else for that matter, here are some red hot tips to make the process much, much easier. - read more

When should I use a personal loan?

Unsecured personal loans can really help in a pinch. If your savings are low and your car breaks down, for example, such a loan can patch up your life. Or maybe you're buying a big-ticket item and you need backup money to cover a short-term hole in your bank account. - read more

The Truth Behind Payday Loans

There’s a lot been said about payday loans. Many claim that the interest rates charged are outrageous. Others say that they are the only source of finance available for those with less than perfect credit score. There is a bit of truth in both claims but there is much more to payday loans than meets the eyes. - read more

Finance News

NAB Ordered to Pay $2.1 Million Penalty for Unconscionable Conduct

29 Sep 2023: .financialservicesonline.com.au

In a recent ruling, the Federal Court of Australia has found National Australia Bank Limited (NAB) guilty of unconscionable conduct and ordered the bank to pay a pecuniary penalty of $2.1 million to the Commonwealth of Australia. This penalty is in respect to NAB's contravention of section 12CB(1). - read more

ANZ Fined $15 Million for Misleading Credit Card Fees

27 Sep 2023: .financialservicesonline.com.au

ANZ, one of Australia's largest banks, has recently faced a significant penalty, being fined $15 million for misleading its customers regarding credit card fees. The bank was found to have failed in providing accurate information to its customers, resulting in unexpected fees and interest charges on cash advances. This breach of financial regulations has led to repercussions for ANZ, as well as financial restitution for affected customers. - read more

Financial Stress and Its Impact: Insights from TAL Research

26 Sep 2023: .financialservicesonline.com.au

A recent study conducted by life insurer TAL sheds light on the effects of financial stress on employees and highlights the crucial role of financial literacy in alleviating this burden. The findings from the 'TAL Financial Health and Literacy Whitepaper' underscore the strong connection between financial knowledge and stress levels, thereby emphasizing the need for employers to prioritize financial education. - read more

Need Help Finding a Loan?

Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check!

Knowledgebase

Balloon Payment.:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in the future

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