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Personal Loan:
A personal loan is usually made by a financial institution to an individual person without the need for the provision of asset security. Personal loans can generally be obtained for any worthwhile purpose subject to the lending criteria of the financ

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Unsecured personal loans

Interest rates for unsecured loans are typically higher than for secured loans. Repayment terms for personal loans can range from as little as 6 months for short-term finance up to 5 years or more. Interest rates will also vary dramatically for personal loans depending on the loan term, the amount of the loan as well as the individual circumstances of the applicant. Whilst loans of $5000 or more for an applicant with a good credit history over a term of 3 years or more may be available for as little as 15% per annum or less, small, short term loans can attract comparative rates as high as 36% including fess and charges - depending on the circumstances of the applicant. For example, a $1000 loan over 6 months could require a fortnightly repayment of as much as $96.92.
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.

Finance Articles

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When should I use a personal loan?

Unsecured personal loans are designed to be undertaken without the need to secure the loans against collateral,... read more

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Finance News

Personal Loans to help Australians in need: FSO
Oct 29 :: As Australia prepares to clean up following devastating fires and floods, Financial Services Online CEO, Andrew Clark,... read more

Small business loans to help Aussie businesses through tough times
Nov 27 :: Financial Services Online has today announced a new credit facility for Australian business customers who are seeking... read more

Police issue warning about bank scam
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