What can I use a personal loan for?
Personal loans can be used for a wide range of purposes including home renovations, medical expenses, travel, weddings, debt consolidation, or other personal expenses. Lender policies on acceptable purposes vary.
What is the difference between secured and unsecured personal loans?
A secured personal loan uses an asset as collateral, which may result in a lower interest rate. An unsecured loan requires no collateral but may carry a higher rate, subject to your credit profile.
How much can I borrow?
Personal loan amounts vary by lender and your individual circumstances including income, expenses, credit history, and existing debts. We assess your situation and identify lenders whose criteria you may meet.
How quickly can I get a personal loan?
Timeframes vary by lender. Some lenders can approve and fund personal loans within 24–48 hours of a completed application, subject to assessment.
Will applying affect my credit score?
Each credit application leaves an enquiry on your credit file, which may temporarily affect your score. We assess your options before applying to target lenders likely to approve, minimising unnecessary enquiries.
How do I get started?
Book a free call. We'll discuss your borrowing needs and compare personal loan options from multiple lenders to help identify what may suit your situation.