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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

The Great Debate: Pros and Cons of Refinancing Your Home Loan The Great Debate: Pros and Cons of Refinancing Your Home Loan
In recent years, refinancing has emerged as a popular financial strategy for many Australian homeowners. With the housing market's dynamic nature and fluctuating interest rates, more people are considering the benefits of refinancing their home loans. This trend is not surprising, as refinancing can potentially reduce monthly payments, secure lower interest rates, and assist with debt consolidation. - 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
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
The Ultimate Cheat Sheet for Aussie Borrowers: Top Loan Comparison Strategies The Ultimate Cheat Sheet for Aussie Borrowers: Top Loan Comparison Strategies
In the dynamic world of Australian finance, securing a loan can be a pivotal move for individuals seeking to achieve their financial goals. Whether it's for purchasing a dream home, expanding a business, or simply consolidating debt, the importance of smart loan comparison cannot be overstated. With an array of lending products available, borrowers are often faced with a bewildering choice. That's why equipping yourself with powerful loan comparison strategies is not just important, it's essential. - read more
Essential Tips for Choosing the Right Personal Loan in Australia Essential Tips for Choosing the Right Personal Loan in Australia
Personal loans are a type of financing option that individuals can use to fund various personal expenses. Unlike mortgages or car loans, they aren't earmarked for a specific purpose, giving borrowers more flexibility in how they use the funds. These loans are usually unsecured, which means you don’t have to provide collateral to borrow money. - read more

Finance News

Improving EOFY Planning: The Call for ATO Portal Access for Advisers Improving EOFY Planning: The Call for ATO Portal Access for Advisers
09 Jul 2025: Paige Estritori

In a recent discussion, James O'Reilly, Director and Financial Planner at Northeast Wealth, underscored the benefits that could come from granting financial advisers access to the Australian Taxation Office (ATO) portal. Speaking on The ifa Show, O'Reilly proposed that this access would significantly simplify the services financial advisers provide to clients, particularly at tax time and the end of the financial year (EOFY). - read more
RBA Holds Rates Steady, Shocking Markets and Shifting Economic Expectations RBA Holds Rates Steady, Shocking Markets and Shifting Economic Expectations
09 Jul 2025: Paige Estritori

The Reserve Bank of Australia (RBA) has decided to keep the official cash rate steady at 3.85%, taking many by surprise after expectations of a 25-basis-point cut had built up in financial circles. This unexpected move comes amid recent data indicating easing inflation and weaker than anticipated economic growth, conflicting with prior predictions of a cut. - read more
RBA to Continue Interest Rate Cuts Amid High Unemployment RBA to Continue Interest Rate Cuts Amid High Unemployment
08 Jul 2025: Paige Estritori

The Reserve Bank of Australia (RBA) is anticipated to maintain its trajectory of incremental interest rate reductions, according to insights from leading financial analysts at ANZ. Recent data from the ANZ-Indeed Australian Job Ads series revealed a rise from 114.8 in May to 116.9 in June, suggesting a potential rebound in job advertisements after previous declines. Despite a stable unemployment rate and hours-based underutilisation rate since mid-2024, the Australian labour market remains strained. - read more

Free Loan Eligibility Assessment

Loan Amount:
Postcode:
All quotes are provided free (via our secure server) and without obligation. We respect your privacy.

Knowledgebase
Adjustable-Rate Mortgage (ARM) Cap:
A limit on how much the interest rate or the payment can change for an Adjustable-Rate Mortgage.