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Personal Loan Brokers

Fast Pre-Approvals 

50+ Lender’s Offers

Free Consults 

High Success Rates

Do you wish you could own that car you’ve been thinking of? Or maybe you wish to combine your debts, go on a holiday, or get some cash to buy some times for around the house. Whatever your goals are, our personal loan brokers might be able to help you achieve them sooner. Many lenders are presently providing competitive rates, minimal or no upfront costs, and/or recurring fees, and we can advise of them all in one convenient place. 

While searching around for a personal loan may appear to be a smart idea, it may often backfire. Every time you apply for a personal loan, a record is recorded on your credit report indicating that you applied for credit. Multiple credit enquiry from multiple lenders usually leads to a worse credit score. This may make you a less appealing applicant to some lenders, perhaps resulting in your loan application being refused or a higher interest rate being imposed if accepted. We avoid any credit checks until a high degree of certainty is given for an application and we have fully consulted with you before any formal lodgments. 

We can generally advise of rates, terms, and fees up front. To obtain a personalised quote, contact one of our personal loan brokers today. Even better, it will not affect your credit score and we require minimal documentation to get started, with our consults coming absolutely obligation free. 

We Keep It Personal

“I can lend you my money not my books.”
― Amit Kalantri, Wealth of Words

Fast Pre-Approvals

Available Today

Free Consults

Personal Loans and Finance Brokers

Looking to finance a personal item, holiday, reno, or other private item and want to know your personal loan finance options?

We can assist with all types of personal loan financing, with flexible security and unsecured options.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you.  This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

There are two sorts of personal loans: secured and unsecured. The distinction is in what you bring to the table to help decrease your lender’s risk of your loan. That can influence the loan amount, period, and interest rate they are ready to provide. So, while selecting on the best personal loan for you, our personal loan brokers work to ensure you understand which is which, and to align the best lender’s product to your current and future needs.

We can obtain financing with the main banks as well as specialty lenders, with typically no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our personal loan brokers and ensure you make the right choice on your personal loan financing today.

Frequently Asked Questions

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.

Personal Loan Details

We can assist with most types of personal finance from secured to unsecured and for any worthwhile personal need. For secured finance, this can be against something to be bought, or if you have a fully owned car, we can sometimes use this as security on a new debt facility. Funds are normally deposited within 24 hours of approval during normal business hours.

Interest rates vary according to the lender, your credit history, repayment plan, and a number of other criteria. There is some science to it, but they are generally based on the lender’s risk assessment, for you as an individual, and the market as a whole, and underlying costs (since lending money costs money). Our brokers can provide a pre-assessment to work out how you would be viewed in the eyes of a lender, well before any formal loan applications are completed. 

One thing to note; the lowest interest rate does not usually indicate the best loan. To really analyse the worth of any interest rate on offer, take into account the overall cost of the loan, including interest, fees, and other expenditures. These can be provided by our brokers, can also included as a comparative rate – that is, the actual rate considering all fees and interest paid for life of loan. This allows proper comparison between loans.

Start today by arranging a free 30 minute credit consult with one of our personal loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your personal finance needs.

Things To Consider

1. Secured or unsecured loans

A secured loan requires you to put up an asset as collateral, such as your automobile. If you do not repay the loan on time, the lender may repossess and sell your asset. An unsecured loan does not need you to offer an asset as security. However, the interest rate will be greater, and you may require a loan guarantor. If you fail to repay the loan, the lender may still take you to court to recover the funds you borrowed.

2. Loan guarantor

Some lenders can provide a cheaper interest rate if you have a loan guarantor. Before asking a family member or acquaintance to be a guarantor for you, be sure you both understand the dangers involved. A guarantor can ultimately end up taking the entire debt if you default, including legal obligations. 

3. No-interest loans or Credit Cards

If you need to borrow a smaller amount under $5K immediately, for necessities such as a refrigerator or auto repairs, a no-interest loan or shorter term facility like a credit card may suit you better. When chatting to our brokers, we can provide up front approximate quotes to give you an idea for you to calculate which facility type may suit you best. 

What does it take for a typical personal loan?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history

Secured Car Loans

From 8.95%

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  • 9.25% Comparison rate
  • Dealer or private purchase
  • Up to 120% security value
  • Minimum $10K facility
  • Free pre-assessment
  • Longer loan terms available

Unsecured Car Loans

From 9.75%

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  • 10.45% Comparison rate
  • Funds paid to you
  • No early repayment fees
  • Up to $120K per household
  • Free pre-assessment
  • Maximum flexibility

Other Secured Loans

From 8.95%

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  • 9.75% Comparison rate
  • Use an already owned asset
  • No early repayment fees
  • Up to 100% security value
  • Free pre-assessment
  • Free valuations