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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

The Ultimate Car Loan Checklist for First-Time Borrowers in Australia
The Ultimate Car Loan Checklist for First-Time Borrowers in Australia
Welcome to the world of car ownership! If you're a first-time borrower in Australia, you're likely to feel a mix of excitement and apprehension. Acquiring a car loan is a significant financial responsibility, and navigating through the options can be daunting. This introductory guide is designed to set you on the right path to making a well-informed decision. - 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
Debt Consolidation: How to Streamline Your Finances with a Personal Loan
Debt Consolidation: How to Streamline Your Finances with a Personal Loan
Debt consolidation is a strategy often utilized by individuals seeking to take control of their financial health. At its core, debt consolidation involves combining multiple debts into a single, more manageable loan, typically with more favorable terms such as a lower interest rate or a longer repayment period. - read more

Finance News

First Home Buyer Guarantee Now Available with 5% Deposit
First Home Buyer Guarantee Now Available with 5% Deposit
17 Dec 2025: Paige Estritori
In a significant move to assist first-time homebuyers, the Australian government has expedited the commencement of the First Home Buyer Guarantee, now effective from October 2025. This initiative enables eligible individuals to purchase a property with as little as a 5% deposit, eliminating the need for Lenders Mortgage Insurance (LMI), which can often be a substantial financial burden. - read more
APRA Sets New Limits on High Debt-to-Income Home Loans
APRA Sets New Limits on High Debt-to-Income Home Loans
17 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a new measure to cap high debt-to-income (DTI) home loans, effective from February 2026. This decision aims to curb potential risks in the housing market by limiting the proportion of new home loans that exceed a DTI ratio of six times the borrower's income. - read more
CBA Warns of Unsustainable Home Loan Demand
CBA Warns of Unsustainable Home Loan Demand
17 Dec 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has raised concerns over the current high demand for home loans, suggesting that such levels are unsustainable and could pose risks to long-term financial stability. - read more
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Knowledgebase
Default:
The failure to repay a debt, including interest or principal, on a loan or security.

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