Richard Fairbairn is Finder’s associate publisher for personal loans. He has been helping people make better financial decisions for over five years. Away from his desk, Richard enjoys all things musical and camping, preferably both at once.
Latest articles by Richard Fairbairn
77 articles written by this author
A 10 minute phone call saved me $120 a month on my home loan
After deciding that "enough was enough" following 12 cash rate rises since May 2022, Finder's personal loans expert called his bank about the lower interest rates he was seeing elsewhere.
![A 10 minute phone call saved me $120 a month on my home loan](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2023/09/Refinancephonecall_Canva_450x250.jpg)
Vet loans
Vet loans cover a variety of pet-related expenses, whether it’s emergency bills or pet day care.
![Vet loans](https://www.finder.com.au/finder-au/wp-uploads/2019/06/article-default_450x250.png)
Heritage Bank Equipment Loan
Purchase, replace or upgrade new or used equipment up to $500,000.
![Heritage Bank Equipment Loan](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2013/11/HeritageBankLogo_Supplied_450x250.png)
Pay It Later
Buy now and pay it later, with shopping limits up to $1,000.
![Pay It Later](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2022/03/PayItLaterLogo_Contentfeed_Supplied_450x250.png)
Beforepay vs MyPayNow
How does pay on demand platform Beforepay compare against MyPayNow?
![Beforepay vs MyPayNow](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2022/03/BeforepayvsMypaynowColorLogo_Supplied_450x250.jpg)
Pay On Demand vs Credit Card
How does pay on demand compare to a credit card and how much will it cost?
![Pay On Demand vs Credit Card](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2022/03/Woman-looking-at-phone-1.jpg)
DelayPay
A buy now pay later option for agricultural businesses, with terms up to 6 months.
![DelayPay](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2022/03/DelayPayLogo_Contentfeed_Supplied_450x250.png)
Stratton Finance Business Car Loan
Stratton Finance offers a business car loan with high borrowing amounts and fixed interest rates.
![Stratton Finance Business Car Loan](https://www.finder.com.au/finder-au/wp-uploads/2019/06/article-default_450x250.png)
South West Slopes Credit Union Greener Futures Loan
A no-fee loan to be used for the purchase of green initiatives such as home solar panels or double glazing.
![South West Slopes Credit Union Greener Futures Loan](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2022/02/SouthWestSlopesCU_Supplied_450x250.png)
Transport Mutual Credit Union Unsecured Personal Loan
An unsecured loan with a variable rate of interest and zero account keeping fees.
![Transport Mutual Credit Union Unsecured Personal Loan](https://dvh1deh6tagwk.cloudfront.net/finder-au/wp-uploads/2018/08/transport-mutual-cu-logo-450x250-optimised.jpg)