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Personal Loans to Back Your Plans
New project, new hobby, great idea or side hustle you want to breathe life into? Get your plans off the ground with a personal loan. Fixed interest rates, no hidden fees, and simple online application.
Loan Term
Set your speed – from a one-year dash to a five-year journey.
Loan Purpose
Kitchen revamp, passion project, or something else entirely: personal loans for all sorts.
Loan Repayments
Weekly, fortnightly, or monthly — whatever matches your cash-flow rhythm.
Loan Interest Rates
Competitive rates tailored to your credit profile and loan details.
Loan Fees
No hidden extras; every fee is spelled out upfront.
Loan Planning
Practical tips to keep your loan working for you, not the other way around.
Apply online (it's quick!)
Start your personal loan journey with a quick, simple online form. It takes just minutes to get things moving.
We'll do the hard yards
We search our panel of lenders to find flexible options that match your needs, repayment preferences, and financial situation.
Chasing approval fast
Once we’ve got your documents, we move fast to get you approved. That way, you can tackle expenses or plans without unnecessary delays.
Sorted in no time
Submit everything by midday and, if approved, you could have the funds in your account that very same day. It’s that simple.
Secured or Unsecured?
You’ve got two main options when it comes to personal loans: secured and unsecured. A secured loan uses something you own—like a car—as security, which can help you get a better rate. An unsecured loan doesn’t need any assets behind it, so it’s a bit more flexible but might come with a higher interest rate. The right option just depends on your situation.
FAQ
Can I pay off a secured loan early?
Yes, in most cases you can. Just keep in mind there might be an early repayment fee, depending on the lender. It’s always good to check the fine print before you commit.
Do unsecured loans hurt credit?
Not by default. If you make your repayments on time, an unsecured loan can actually help improve your credit score. But if you miss payments, it can hurt—just like any other type of borrowing.
How much can I borrow on a secured loan?
That depends on what you're using as security and your financial situation. Because there’s an asset backing it, secured loans often come with higher borrowing limits.
How much unsecured loan can I get?
Unsecured loan amounts vary, usually based on things like your income, expenses, and credit history. Without an asset involved, lenders may offer a bit less than they would for a secured loan.
What are the disadvantages of unsecured loans?
They’re usually a bit more expensive—interest rates can be higher because there’s no security backing them. You also might not be able to borrow as much compared to a secured loan.
What credit score do you need for an unsecured personal loan?
There’s no set number, but generally, the better your credit score, the more options you’ll have (and the better the rates). If your score’s on the lower side, a secured loan might be a better fit.
What credit score is needed for a secured loan?
Secured loans are a bit more forgiving because you’re offering up an asset. You don’t need perfect credit—but your overall financial picture will still play a big role in the lender’s decision.
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