A personal loan should have a clear purpose and a repayment you can carry comfortably. We look at what you need the money for, how quickly you want to repay it and what you can afford. Then we find options with fees and conditions you understand before you sign.
Who it suits
Individuals with a clear purpose for borrowing, such as a vehicle, a major purchase or simplifying existing debts.
Common purposes
- Buying a car for personal use
- Major purchases, travel or home improvements
- Consolidating debts, where it genuinely improves your position
What we work through with you
- How much you need and what it is for
- Repayments, term and total cost over the life of the loan
- Fees, fixed or variable rate, and early repayment conditions
Documents to have ready
- Photo identification
- Proof of income
- Recent bank statements
- Details of current loans and credit cards
How we work
We start with a conversation about what you are trying to achieve and your timing. We then gather the information lenders will ask for and assess suitable options from our approved lender panel and relevant specialist channels. Before anything is lodged, you will know the costs, the trade-offs and why we are recommending an option. After that, we manage the application through to settlement.