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Submitting your initial enquiry through this website, including our free eligibility pre-assessment, does not require a credit check and will not, by itself, create adverse entries on your credit file. However, any lender or broker we refer you to may need to complete a formal credit check before approving a loan application.

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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

How Your Credit Rating Impacts Your Loan Options: What You Need to Know
How Your Credit Rating Impacts Your Loan Options: What You Need to Know
A credit rating is essentially a numerical representation of your financial trustworthiness. It's like a report card for your creditworthiness, where higher scores indicate better financial habits. Lenders and financial institutions scrutinize this score when you apply for credit, serving as a primary factor in approving or denying loan applications. - read more
The Role of Business Insurance in Protecting Your Australian Enterprise
The Role of Business Insurance in Protecting Your Australian Enterprise
Starting and running a business in Australia can be an exhilarating experience, full of opportunities for growth and success. However, it also comes with its fair share of risks and uncertainties. From unexpected natural disasters to potential legal disputes, the threats to the sustainability of a business are ever-present. This is where business insurance becomes pivotal as a protective tool for Australian enterprises. It provides the much-needed safety net to help businesses mitigate potential losses and continue operations with confidence. - read more
Online Loan Application Essentials: What to Know Before You Click Submit
Online Loan Application Essentials: What to Know Before You Click Submit
Welcome to the digital age, where online loans in Australia offer convenience and accessibility like never before. With a few clicks, financing for your next big purchase or consolidation of existing debts is at your fingertips. However, venturing into the world of online lending without a compass can leave you navigating choppy waters. - read more

Finance News

Australia's Marine Sector Grapples with Skilled Labour Deficit
Australia's Marine Sector Grapples with Skilled Labour Deficit
05 Jun 2026: Paige Estritori
The Australian marine industry is currently confronting a significant challenge: a critical shortage of skilled labour. According to the 2026 National Jobs & Skills Survey conducted by the Boating Industry Association (BIA), over 90% of marine businesses express deep concern about the lack of qualified personnel. This shortage is not merely an administrative issue; it directly affects operational capacities and financial performance across the sector. - read more
Zenobē's $100 Million Boost to Australia's Electric Truck Fleet
Zenobē's $100 Million Boost to Australia's Electric Truck Fleet
05 Jun 2026: Paige Estritori
In a significant move towards sustainable transportation, UK-based electric fleet leasing company Zenobē has announced a $100 million investment aimed at doubling Australia's electric truck fleet by the end of 2026. This initiative is set to increase the number of heavy-duty electric trucks from the current 1,000 to 2,000 units, marking a substantial advancement in the nation's shift towards greener logistics. - read more
Permanent $20,000 Asset Write-Off: What It Means for Owner-Drivers
Permanent $20,000 Asset Write-Off: What It Means for Owner-Drivers
05 Jun 2026: Paige Estritori
The 2026-27 Federal Budget has introduced a significant change for owner-drivers and small fleet operators by making the $20,000 instant asset write-off permanent. This development alters the traditional end-of-financial-year (EOFY) rush to purchase assets, providing greater flexibility in financial planning and asset acquisition. - read more

Free Loan Eligibility Assessment

Loan Amount:
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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
Debt-to-Equity Ratio:
A measure of a company’s financial leverage, calculated by dividing its total liabilities by stockholders’ equity.