Personal Loans

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Obligation - Free quotes
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Personal Loans
Tailored to you.

No question is too big or too small. We're here to help you find the right solution for your needs.
Low interest rates
Obligation free quote
No impact on your credit score

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Frequently asked questions

Personal Loans Explained

Everything you need to know about personal loans. No question is too big or too small. We're here to help you find the right solution for your needs.
What documents do I need to apply for a personal loan?
When applying for a personal loan you will typically require

2 Forms of identification, such as a Drivers licence and Medicare Card

Proof of income via 2 x most recent payslips or 90days bank statements

Rates Notice or Rental Agreement if you are a homeowner or renter

These are the basic document requirements for most lenders to assess your application.
What is the difference between a Secured and a Unsecured personal loan?
Secured Personal Loan

A secured personal loan is a secured loan where the lender will utilise an asset as security, resulting in lower interest rates and the possibility of repossession if payments are missed. Our panel of lenders can offer car loans with loan terms ranging from 12 months to 84 months, depending on the vehicle's age, cost, and km travelled.

Unsecured Personal Loans

A personal loan is unsecured, offering greater flexibility for various loan purposes, including car purchases, but an unsecured personal loan will normally have higher interest rates due to there being no asset being used as security. Personal loans normally have loan terms that vary between 12 months and 84 months. The choice between the two depends on your individual needs and circumstances. Car loans might be cheaper over time and personal loans provide funding flexibility without requiring collateral, but this can come at the cost of higher interest rates. Credit scores significantly influence the conditions of both secured and unsecured loans. It’s essential to weigh the total loan costs and asset risk before deciding between the two.
Will applying for quotes impact my credit score?
When speaking with one of our lending specialists to obtain a quote for car loan repayments, there is no impact on your credit score. Whether you are applying for a secured loan or an unsecured loan, we only ever make soft touch inquiry that will have no impact on your credit score prior to submitting your application to a lender for assessment. Now if your are applying online direct with lenders this can sometimes have an impact on your overall credit profile as the lender may do a hard credit check whilst assessing your car loan application. Speak to one of our lending specialists for your personal loan today and let us do the heavy lifting for you.
What can i use a personal loan for?
Our panel of lenders offer personal loans for almost any purpose. This includes medical bills, lawyer fees, car repairs and more. Speak to our lend It specialist today for more info.
Can i repay my personal loan early?
Yes you can make additional repayments on your personal loan and some lenders even offer no early exit fee's if you wish to repay your loan in full prior to the loan term end date.