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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

Understanding the Fine Print: Fees and Charges in Personal Loans
Understanding the Fine Print: Fees and Charges in Personal Loans
Personal loans are a type of unsecured credit that allows individuals to borrow money for various personal expenses, including consolidating debt, making home improvements, or funding significant life events. Unlike secured loans that require collateral, personal loans rely on your creditworthiness, making them an accessible option for many Australians. - read more
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
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

Finance News

Unemployment Climbs to 4.5% in September 2025
Unemployment Climbs to 4.5% in September 2025
21 Oct 2025: Paige Estritori
In September 2025, Australia's unemployment rate rose to 4.5%, marking the highest level since November 2021. This increase has sparked discussions about potential interest rate cuts by the Reserve Bank of Australia (RBA). - read more
RBA Reports Easing Financial Conditions After Rate Reductions
RBA Reports Easing Financial Conditions After Rate Reductions
21 Oct 2025: Paige Estritori
The Reserve Bank of Australia (RBA) has observed initial signs of loosening financial conditions following three interest rate cuts in 2025, which have brought the cash rate down to 3.6%. Assistant Governor Christopher Kent highlighted that credit availability for both households and businesses has improved as a result. - read more
CBA Confirms CEO Matt Comyn's Leadership Through 2028
CBA Confirms CEO Matt Comyn's Leadership Through 2028
21 Oct 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA) has announced that CEO Matt Comyn will continue to lead the nation's largest lender until at least 2028. This extension ensures leadership stability as the bank navigates ongoing economic shifts. - read more
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Knowledgebase
Index Fund:
A type of mutual fund designed to replicate the performance of a specific market index, such as the S&P 500.

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