Personal Loans.
Personal finance that fits around your goals, not the other way around.
Overview
A well-structured personal loan can be the difference between waiting and getting on with it. We compare secured and unsecured personal loans across major banks and non-bank lenders, matching the structure to the purpose, a renovation loan looks different to a wedding loan, which looks different to a consolidation loan.
We also help borrowers with thin credit files or past defaults find lenders who will look beyond the score and assess the full picture.
Personal loan rates are heavily credit-driven. We pre-assess so we only approach lenders likely to approve at the sharper end.
Who this is for
Key benefits
- Secured and unsecured options
- Fixed weekly, fortnightly and monthly repayments with a clear payoff date
- Terms from 1 to 7 years
- Funds often available within 2-3 business days
- Specialist lenders for impaired credit
- No early repayment penalties on most facilities
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
No asset attached, faster settlement, slightly higher rate. Best for renovations, weddings and lifestyle.
Backed by a car or other asset for a lower rate. Useful when you have equity to leverage.
We can include payouts for credit cards and existing loans directly in the settlement so you don't have to manage it.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$35k unsecured, 5-year term. Funds in account within 48 hours of approval.
$22k structured over 4 years, paid down faster with no exit fees, cleared in 2.5.
Three cards, a personal loan and a buy-now-pay-later, all rolled into one repayment at less than half the weighted-average rate.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Photo ID (driver licence or passport)
- Two most recent payslips
- Recent bank statement showing salary credits
- Details of the asset being purchased
- Photo ID
- ABN (active, ideally 2+ years)
- Recent BAS or last 6 months business bank statements
- Asset details and invoice or quote
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Some lenders quote a sharp rate but pile on application and monthly fees. Always look at comparison rate over your actual term.
Applying to several lenders directly leaves a trail that lowers your score. We submit to one well-matched lender.
Consolidation only works if you close the existing loans you're consolidating. We structure it so you can't accidentally re-borrow and end up back where you started.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.