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Online Personal Loans

If you can dream it, we most likely have a loan for you. Below are a few of the types of loans we can offer. Our online personal loans are fast and easy.

Online Personal Loans Illustration
Online Personal Loans Illustration

Online Personal Loans

If you can dream it, we most likely have a loan for you. Below are a few of the types of loans we can offer. Our online personal loans are fast and easy.

Types Of Online Personal Loans

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Online Car Loans

Buying a car is exciting, but it can also be expensive, especially if you opt for dealer finance. Check us out first.

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Online Debt Consolidation

Are your credit cards out of control? Combine all your cards into one loan to simplify your repayments

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Online Home Loans

Whether it is your first home, an investment or you’re upgrading, we’ve got your next home loan.

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Online Holiday Loans

Is it time for a holiday? Travel without emptying your savings with an online holiday loan.

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Medical and Dental Loans

Need elective or cosmetic surgery, but don’t want to wait? Our online medical loans offer freedom and choices.

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Online Renovation Loans

Been staring at the kitchen or bathroom and imagining you dream home? No need to wait with an online renovation loan.

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Loans To Get Married

Dreaming of the perfect wedding but your budget is tight? Get hitched like a celebrity with our wedding loans.

Online boat loans

Online Boat Loans

Having a boat is a great way to enjoy time with friends and family. Our boat loans put you at the helm.

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Online Education Loans

Education is priceless in terms of importance, but can be too expensive in reality. Put education first with our help.

Online Personal Loan FAQs

Almost anything! While credit cards can be restrictive since you can only use them for purchases, money is deposited directly into your bank when you receive a personal loan. This makes personal loans a really flexible form of finance. So, whether you need car repairs, a holiday or fines to pay, a personal loan can be really advantageous.

In addition to this, when applying for any form of finance, you will need to provide your identification. This means that we will need to know the following details:

  • Medicare card details
  • Passport / Australian driver’s licence

You must also be able to prove that you are able to commit to the repayment plan. Therefore, we will also usually require:

  • Bank statements
  • Payslips
  • Income details
  • Your current debts (if any)
  • Your current assets
  • Your current expenses
  • How much you would like to borrow
  • Your contact details

 

In addition to this, when applying for any form of finance, you will need to provide your identification. This means that we will need to know the following details:

  • Medicare card details
  • Passport / Australian driver’s licence

To apply for a personal loan, you will need your identification and proof of income documents handy. It is also beneficial to have a good credit rating, although it’s not compulsory since we offer online bad credit loans. However, the better your credit rating, the more control you will have over the loan.

 

A good credit rating means you can benefit from a lower interest rate, borrow greater amounts of money and you’ll have more flexible repayment terms. You can check your credit rating for free here.

With a secured loan, you will need to provide a personal asset as collateral in the event that you fail to honour to the loan repayment plan agreement. This means that if you continually make late repayments or miss repayments entirely then the lender has the right to seize the asset in question. Personal assets include a house, car or jewellery.

 

Although this may sound daunting, it’s less scary as it sounds. A mortgage is a form of secured loan and millions of people have a mortgage worldwide. So long as you honour your agreement then your asset will be safe, and on top of that, secured loans come with heaps of benefits including:

  • Lower interest rates
  • Smaller fees
  • Larger loan amounts
  • More flexible terms & loan length
  • Less need for a good credit rating

 

On the other hand, an unsecured loan does not need securing against a personal asset, which lowers the risk on the borrower. However, as a result, the risk on the lender is also reduced by increased interest rates, larger fees, smaller loan amounts and stricter loan terms and loan lengths. It’s also incredibly unlikely that you will be approved an unsecured loan if you do not have a good credit rating. So, while an unsecured loan may feel safer, it is heavier on the pocket. An example of an unsecured loan is a credit card.

Calculating a budget isn’t an easy task, but we’re here to help! Our online budget calculator tool makes budget planning fast & easy. This interactive tool helps you to calculate your income and expenses so that you can budget better and understand how much money you have left over each week to cover debt repayments. Check it out here!

Completing an application only takes 10 minutes and you could receive money straight into your bank within 24 hours of submission! Our online application form is super interactive and easy to use whether you’re on desktop, tablet or mobile phone.