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Knowledgebase
Balloon Payment.:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in the future.
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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

How to Improve Your Chances of Getting a Business Loan Approved How to Improve Your Chances of Getting a Business Loan Approved
Welcome, Australian entrepreneurs and business owners! Whether you're just setting down the foundation of a startup or steering a well-established enterprise, access to capital remains a critical ingredient for business growth and survival. In the bustling economy of Australia, a well-structured business loan can be the catalyst that propels your business forward, aiding in expansion, the acquisition of new equipment, or simply ensuring smooth operational cash flow during lean periods. - read more
A Complete Guide to Caravan Financing: Securing Your Mobile Haven A Complete Guide to Caravan Financing: Securing Your Mobile Haven
Caravans have surged in popularity across Australia, offering an unmatched fusion of comfort and mobility. This beloved mode of travel grants you the liberty to discover hidden gems off the beaten path while bringing along the comforts of home. With the rise of remote work and the enduring spirit of wanderlust, caravans provide a flexible lifestyle choice for adventurers, retirees, and families alike. - read more
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
Maximizing Your Borrowing Power: Strategies for Home Loan Comparison Maximizing Your Borrowing Power: Strategies for Home Loan Comparison
When you're on the journey to owning your dream home, securing the right home loan is as critical as choosing the perfect location. The benefits of using online home loan calculators can't be overstated, as they wield the power to illuminate the murky depths of mortgage rates, terms, and payments with surprising precision. - read more
Online Home Loan Calculators: How to Use Them in Your Loan Comparison Online Home Loan Calculators: How to Use Them in Your Loan Comparison
Welcome to the world of savvy home financing! Whether you’re a first-time homebuyer or seasoned investor, navigating the ocean of home loan options can be daunting. In this digital era, one tool stands out for its effectiveness in simplifying this journey: the online home loan calculator. - read more
How to Improve Your Chances of Getting a Business Loan Approved How to Improve Your Chances of Getting a Business Loan Approved
Welcome, Australian entrepreneurs and business owners! Whether you're just setting down the foundation of a startup or steering a well-established enterprise, access to capital remains a critical ingredient for business growth and survival. In the bustling economy of Australia, a well-structured business loan can be the catalyst that propels your business forward, aiding in expansion, the acquisition of new equipment, or simply ensuring smooth operational cash flow during lean periods. - read more
Finance News

Overheads on Enhanced Vetting Could Ratchet Up Wholesale Fund Costs Overheads on Enhanced Vetting Could Ratchet Up Wholesale Fund Costs
07 Nov 2024: Paige Estritori

The prospect of intensified scrutiny in confirming wholesale investor status could potentially tip the balance of competitiveness away from wholesale funds. According to recent commentary from the Financial Services Council (FSC), implementing added verification processes might impact these funds' ability to compete effectively. - read more
RBA Chief Under Fire: Decision on Rate Cuts in the Spotlight RBA Chief Under Fire: Decision on Rate Cuts in the Spotlight
07 Nov 2024: Paige Estritori

Reserve Bank of Australia (RBA) Governor Michele Bullock is set to face intense scrutiny over the central bank's conservative approach to cutting interest rates, as apprehensions about inflation persist in Australia. During a regular parliamentary session, Bullock’s policies will draw pointed questions from lawmakers. - read more
The Dwindling Australian Dream: Home Ownership Beyond Reach? The Dwindling Australian Dream: Home Ownership Beyond Reach?
06 Nov 2024: Paige Estritori

Recent insights from PropTrack have painted a bleak picture of Australian housing affordability, reaching unprecedented lows. In a market where a typical household makes just over $112,000 annually, a mere 14% of homes sold are within their budget. This dwindling accessibility starkly highlights the challenges for would-be homeowners today. - read more