Personal Loans
From medical expenses and holidays to home improvements, we help you access personal loan options that fit your needs and budget.
Straightforward personal lending
Personal loans can be a flexible way to fund a wide range of needs, especially when you want clear repayments and a defined timeframe. Our role is to help you understand your options and structure a loan that fits comfortably within your budget.
Personal loans are commonly used for:
Medical or dental expenses
Home improvements or smaller renovations
Debt consolidation to simplify multiple repayments
Major purchases such as furniture or appliances
Travel or family events
Education or professional development
Covering unexpected costs with a planned repayment schedule
We focus on:
Clear explanations of interest rates, fees, and repayments
Loan terms that align with your income and goals
Keeping repayments manageable, so the loan supports your plans rather than adding pressure
Our aim is to make personal lending simple, transparent, and tailored to your situation — so you can move forward with confidence.
FAQs
What can a personal loan be used for?
Personal loans can be used for a wide range of purposes – such as debt consolidation, travel, medical expenses, home renovations, education, weddings and more.
Why use a broker to organise a personal loan?
Using a broker for a personal loan can save you time, money and stress. By comparing several different lenders we help you to understand which products might be best suited to you and your budget over the next few years as well as manage the application from start to finish.
I’ve never had a loan before and don’t have a credit file – can I still borrow money?
We regularly help customers who are new to borrowing money. We take extra care with explaining the ins and outs of the finance world as well as placing you with a lender that accepts these types of customers.
How much can I borrow and how many years can I spread the repayments over?
Personal loans usually have a $5,000 minimum loan size and can range up to $100,000 depending on the reason for needing the money. You can then repay this amount between 1 and 7 years.
What’s the difference between a secured personal loan and unsecured personal loan?
A secured loan is backed by an asset (such as a car), which can result in lower interest rates. An unsecured loan doesn’t require security but may have higher rates.
Can I use a personal loan to consolidate debt?
Personal loans are commonly used to combine multiple debts into one repayment, which may help simplify finances and reduce interest costs.
Can I repay my personal loan early?
Yes, many personal loans allow early repayments, though some lenders may charge break or early repayment fees.
Let’s chat
If you’re considering a personal loan, we’re happy to talk through your options.