Unsecured Personal Loans

Borrow from $5,000 up to $50,000 Unsecured

If you don’t want to secure your loan against an asset, but you have something you need to fund (like a holiday or a house renovation) this may be the loan for you.

We can provide finance for a wide range of non business purposes but not limited to:

  • Holiday or Travel
  • Debt Consolidation
  • Dental Expenses
  • Education Expenses
  • Funeral Expenses
  • Home Improvements or Furnishings
  • Medical Expenses
  • Mortgage Deposit
  • Wedding Expenses

Applicants need to be at least 18 years of age, must be an Australian citizen or a permanent resident of Australia with a good credit record to apply for an unsecured personal loan.

Faq’s on Personal Loans:
(Click on a heading for more information)

Anyone over 18 years who is a citizen or permanent resident currently living in Australia, can apply for a personal loan. Applicants need to be employed and earn a minimum of $25,000 per year (the majority of your income cannot be from Government benefits) to be eligible.

Funders assess borrowers based on a number of factors such as credit score and financial history.

Here’s a checklist of what you may need to complete your application:

  • Personal details of each person applying for the loan
  • Pay details of each person, including employer
  • Details of assets (e.g. home, car or savings)
  • Details of any loans, cards and expenses (e.g. mortgage, credit cards, etc.)
  • If you’re renting, your landlord’s name and phone number (if applicable)

Your loan terms will be set out in your loan contract. Generally, loan terms range between one and seven years.

Debt consolidation loans work by letting you bring debts from different credit accounts together so you can pay them off with one rate and one set of fees.

Whilst a short term loan, also known as a payday loan is a type of personal loan, there are a range of differences that make this type of lending completely different. Personal loans are generally taken out over one to seven years, whereas a payday is between 16 days and one year. Payday loans are also for smaller amounts – between $100 and $5,000 – and are available to those with bad credit.

An unsecured personal loan can be used for purchasing a car especially if you want to buy an older model or a car that does not fit in with a lenders criteria.

The diversity of our lenders means there is no one size fits all product. By using our loan service, you benefit from our widespread knowledge of today’s credit options. Your finance quote and approval is simply based on our expertise and your credit standing. Once you have completed the online form we will contact you to discuss your options and then follow the application process through to settlement.

If you wish to proceed, then we will help you to complete all the necessary paperwork and liaise with the lender on your behalf. This will include the completion and submission of your loan application and the on-going communication between all parties until your loan is settled.


Call 1300 721 988 and talk to an Expert.

Our professional staff are available for a free consultation, with no obligation on your part.