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Warning to Borrowers: Unsecured personal loans
The following information is specific to unsecured personal loans.
Minimum period for repayment 6 months, maximum period 5 years.
The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.
For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.
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

An Insider's Guide to Enhancing Your Credit Profile for Any Loan
An Insider's Guide to Enhancing Your Credit Profile for Any Loan
Having a robust credit profile is one of the most critical factors for financial health, especially when seeking loans in Australia. Whether you're eyeing a new car, dreaming of a home or simply want to secure a personal loan for unexpected expenses, your credit score often dictates the outcome. Not only does it influence a lender's decision to offer you finance, but it also affects the interest rates you might be charged. - read more
The Road to Recovery: How to Rebuild Your Credit for Future Loans
The Road to Recovery: How to Rebuild Your Credit for Future Loans
In today’s economy, a good credit score is more than just a number—it's a pivotal element of financial health that can open doors to necessary funding when it's most needed. Whether it's for purchasing a new home, investing in a business, or obtaining personal loans, a robust credit score in Australia is your ticket to favorable interest rates and loan terms. - read more
The In-Depth Guide to Boat Loans in Australia: What You Need to Know Before Diving In
The In-Depth Guide to Boat Loans in Australia: What You Need to Know Before Diving In
Australia, with its expansive coastline and spectacular waterways, naturally cultivates a rich culture of marine enthusiasts. Imagine the salty breeze on your face as you slice through waves, the call of seabirds overhead, and the freedom to explore hidden coves and beaches – this is the quintessential Australian boating lifestyle. - read more

Finance News

Snowy River Caravans Launches New In-House Finance Offering
Snowy River Caravans Launches New In-House Finance Offering
26 Mar 2026: Paige Estritori
Snowy River Caravans has unveiled Snowy River Finance, a dedicated in-house financing service designed to simplify the purchasing process for prospective caravan owners across Australia. This initiative aims to provide customers with flexible loan terms ranging from two to seven years, ensuring a tailored approach to financing that aligns with individual needs. - read more
JB Group Takes Full Control of New Age Caravans
JB Group Takes Full Control of New Age Caravans
26 Mar 2026: Paige Estritori
Melbourne-based JB Caravans has announced the complete acquisition of New Age Caravans, transitioning from partial to full ownership of the 15-year-old caravan manufacturer. This strategic move, finalised in early November, marks a significant expansion of JB Group's portfolio, now encompassing five caravan and motorhome brands. - read more
OnDeck Enhances SME Financing with Increased Lightning Loan Cap
OnDeck Enhances SME Financing with Increased Lightning Loan Cap
26 Mar 2026: Paige Estritori
OnDeck Australia has announced an increase in the maximum limit for its Lightning Loans, raising the cap from $175,000 to $200,000. This enhancement aims to provide small and medium-sized enterprises (SMEs) with quicker access to larger funding amounts, facilitating their growth and operational needs. - read more

Free Loan Eligibility Assessment

Loan Amount:
Postcode:

All quotes are provided free and without obligation by a specialist from our national broker referral panel. See our privacy statement for more details.


Knowledgebase
Interest Rate Lock:
An agreement between a borrower and a lender that allows the borrower to lock in the interest rate on a mortgage for a specified time period.