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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

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

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

Creating a Bulletproof Budget: Tips for Australians Juggling Debts

Creating a sturdy financial foundation is essential for Australians navigating the often turbulent waters of debt. A bulletproof budget does more than just track expenses; it acts as a buffer against unexpected financial downturns and provides a clear path toward financial freedom. Comprehending the full weight of this importance is the first step to turning one's financial destiny around. - read more

Finance News

Australian Home Loans Hit Record High as Investor Activity Soars

03 Jan 2026: Paige Estritori

In the third quarter of 2025, the Australian mortgage market experienced unprecedented growth, with new home loans totaling $191.1 billion. This marks an $8.3 billion increase from the previous quarter, setting a new record in the housing finance sector. - read more

Major Banks Raise Fixed Mortgage Rates After RBA Holds Cash Rate

03 Jan 2026: Paige Estritori

Following the Reserve Bank of Australia's (RBA) decision to maintain the cash rate at 3.60%, major banks have adjusted their fixed mortgage rates. Westpac has increased its fixed home loan rates by up to 35 basis points, with the lowest standard fixed rate now at 5.79% per annum. This marks a significant rise from 5.54% earlier in the week and 5.19% in early November. - read more

Australian Motorcycle Market Sees Modest Decline Amid Rising Scooter Popularity

03 Jan 2026: Paige Estritori

The Australian motorcycle market has experienced a modest decline in sales during the first nine months of 2025, with a 2.2% decrease compared to the same period in 2024. According to data from the Federal Chamber of Automotive Industries (FCAI), a total of 63,988 motorcycles were sold between January and September 2025. - read more

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Knowledgebase

Prepayment Penalty:
A fee charged by a lender if a borrower pays off their loan early.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.

Comprehensive Personal & Business Finance Solutions In Australia

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