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Personal loans

For those moments when life happens

Most people will need a personal loan at some stage in their life.

Take a holiday, have elective surgery, get married, spoil yourself with a new toy, or consolidate your debts – whatever you need – we’ll help you find a personal loan starting for as little as $5,000 with competitive rates and loan terms to suit you.

We make Personal Loans Easy:

  • Our personal loan application process is super quick
  • We generally get answers for you within 24 hours
  • We have access to over 30 of the best banks and lenders in Australia
  • Even if you have a bad credit history, our success rate is phenomenal

With honest, down to earth advice, Kelly will find a personal loan that’ll work for you.

Here’s what you can use a personal loan for

Debt consolidation

Juggling multiple repayments each month can be tough – mortgages, car loans, personal loans, credit cards, tax debts – it all adds up. One of the best ways to manage multiple debts is consolidation. Not only is one repayment easier to manage, but you’ll find it frees up some funds, giving you more money to play with in your budget.

Holidays

Itching to jump on a plane to head overseas and recharge your batteries, heading to an exotic beach wedding, or seen a last-minute holiday deal that’s too good to pass up? No matter where you’re headed, a personal loan can help you travel now and pay later. With quick approval and flexible repayment terms, choosing a personal loan for holidays helps you get where you want to go sooner.

Home Improvements

When you’re settled in your family home and don’t want to move, home renovations are a great way to create the home of your dreams. Not only will you add value, but you can create spaces that reflect your personality. From updating bathrooms or kitchens, planning major additions like theatre rooms, or updating your backyard to include a pool and entertainment area, a personal loan can help your dreams become a reality.

Getting Married

Planning your wedding is an exciting time, but with so many options the budget can be exceeded quickly. From the cost of the ceremony to the perfect venue, food and drink for your guests, photography and videography plus that stunning dress, the cost of a wedding can quickly grow beyond even the most diligent savings. Choosing a personal loan means you can create your perfect wedding day without the stress of how you’ll pay for it now.

elective surgery

For those times when private health insurance won’t cover it, the wait list is too long, or it’s an emergency, a personal loan can help you get that elective surgery.

From all thing dental, mummy makeovers, cosmetic surgery, through to emergency surgery, a flexible personal loan can help you cover all the out of pocket expenses and have you back to feeling 100% in no time.

Boats, caravans and motorbikes

When you’re looking to buy a new toy, whether it’s to share with your family, or just for fun, a personal loan can help you.

Whether you’re looking for a relaxing day out on the water in your new boat, taking your family on a holiday in your new caravan, or zipping along the highway on your new motorbike, a flexible personal loan can help you buy today and pay later.

Personal loan FAQs

What is a secured personal loan?

A common type of loan (particularly for cars), a secured loan simply means the bank will lend you the value of the item you’re buying and use that item as collateral for the loan.

What is an unsecured personal loan?

These loans may attract a higher interest rate as the lender is relying purely on you using your income to repay the loan and has no item to use as collateral for the loan (it’s unsecured).

How much can I borrow with a personal loan?

Although there’s no formal limit as such, most lenders will lend you up to $100,000 for a secured personal loan and up to $50,000 for an unsecured personal loan. Lenders will look at your circumstances and evaluate your ability to repay the personal loan.

What is the best way to apply for a personal loan?

You could spend a lot of time researching and trying to find the best option for yourself, or you can contact us, we’ll help you get it sorted quickly and easily, approaching the lenders we know give you the best deal.

How soon will I get the money?

As soon as the lender gives you the green light and you’ve signed the paperwork the loan amount could be transferred to you that same day (depending on the time of day).

How long can I take to repay a personal loan?

Most personal loans are taken out over a period of 1 to 5 years. The length of time will reflect the size of your repayments. For example, if you want smaller repayments, you’d pay your loan over a longer period.

Ready to secure your personal loan?

If you’re ready to take control and get what you want today (an exotic holiday, a swimming pool, a brighter smile), we’ll find a personal loan to match your needs.