Our minimum loan amount is $3,000 and maximum is $250,000. How much you can borrow within this range depends on your personal circumstances and affordability. It’s important borrow only what you need and to ensure you can comfortably meet your repayment obligations for the term of your loan. Our team, are expert at helping you determine your personal borrowing sweet spot.

We work hard with our clients to collect all the right information up front before we assess the application. With all the information required, the lender can approve loans in two to three hours, but this does depend on lender timeframes.

Yes. Debt consolidation loans are very common and can help people budget better, get on top of their outgoing payments and pay off debt. There are different ways to use debt consolidation, for example: to manage current repayments or to reduce the total cost of borrowing. Make sure you understand the details before signing on the dotted line.

The repayments of a loan are determined by several factors. Mainly amount borrowed, interest rate and the term of the loan. We have a great calculator for you to run the numbers and see how these factors can suit your budget.
Repayments can be made weekly, fortnightly or monthly via direct debit.

Vehicle loans can be used for all types of reasons, whether it is financing the purchase of a motorbike, car, carvan, campervan, boat or even a jetski. 
A vehicle loan could also be using an existing car you own to utilize the equity within your vehicle to borrow against and achieve a must lower interest rate than a personal loan.

Cashraising is where you use a vehicle that you already own, and use it as security for your loan to achieve a lower interest rate, compared to an unsecured loan. Think about it like a mortgage but secured against a car, motorbike, boat, jet-ski or even commercial vehicles.

Bad credit can seem like a burden when trying to get approved. A vehicle loan does help mitigate some of the risks from a lender when providing finance as there is collateral to claim against if the loan is unpaid.
Although being offered finance is not a given, a vehicle loan does open more options when there is a vehicle to use as security. 

Yes. You can refinance your loan to a different lender even if you have finance secured against a vehicle. 

When refinancing a loan, it is important to be clear about what you want to achieve and the implications of making a change. For example: you may want to reduce the overall cost of your loan by refinancing or you may want to reduce your current repayment amounts. In short, when refinancing, make sure you have clear objectives and are well informed about the implications of making the change from one lender to another. 

Also, make sure you consider fees to repay your existing debt early, and any additional fees in securing the new finance.

Loan Repayment Insurance provides cover if you were unable to work due to sickness, injury, accident or even redundancy. This type of cover pays a monthly benefit to cover your loan repayments until you get back to work. 

If selected, the cost of Loan Repayment Insurance is added to loan principle and incurs interest. Be sure to consider your circumstances, needs, and any overlapping cover you may have in place before opting to take out Loan Repayment Insurance.

There are no upfront costs to add loan repayment insurance onto your new loan. The cost of the insurance is added to your loan amount and incurs interest, and is repaid with your normal loan repayment.

Loan repayment insurance is available on all loans. For vehicle purchases (subject to confirmation of purchase) we can also offer Mechanical Breakdown Insurance and Guaranteed Asset Protection.