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50 Responses

    Default Gravatar
    CharmaineAugust 29, 2025

    I need help with emergency money now

      Rebecca Pike's headshotFinder
      RebeccaAugust 29, 2025Finder

      Hi Charmaine,

      I’m sorry to hear you’re in an emergency. We generally don’t compare short-term quick loans because of the high rates and risks associated with them. Getting fast money can be a slippery slope and end up costing you a lot more money.

      You might be able to speak to your bank about accessing some of your pay early. If you don’t receive an income and are on government benefits, you may be able to receive an advance from Centrelink. Give them a call on 13 17 94.

      You can also call 1800 007 007 to talk to a free and independent financial counsellor. The Government’s MoneySmart website also has options for anyone looking for small amount loans.

      Rebecca

    Default Gravatar
    naeJune 25, 2025

    do you have to be a certain age to aquire a loan? does it have to be under my name is im underage?

      Sarah Megginson's headshotFinder
      SarahJune 27, 2025Finder

      Hi Nae, Legislation requires that you have to be over 18 years of age to take out a loan in Australia. This is because you generally need to be at least 18 years old to acquire a loan in Australia, as lenders require borrowers to be legally capable of entering into a contract, which requires you to be 18. If you have a parent or guardian who is willing to take out the loan in their name that might be an option? Best of luck!

    Default Gravatar
    NeilApril 7, 2025

    I need a loan to buy a bobcat so I can start subcontracting to others. would I better applying for a business loan or a personal loan

      Richard Whitten's headshotFinder
      RichardApril 8, 2025Finder

      Hi Neil,

      One option is to contact a lender and ask what kind of business loan rate you’d get. Lenders don’t always advertise business loan rates.

      If you don’t have an established business with some tax returns, business activity statements and income then you will struggle to get a business loan approved.

    Default Gravatar
    AdrianMarch 30, 2025

    Recommendations on 20 grand over three years

      Richard Whitten's headshotFinder
      RichardMarch 31, 2025Finder

      Hi Adrian,

      Unfortunately at Finder we can’t recommend products for you. We can only help you compare. To find a suitable loan, look for one with a lower interest rate, and also factor in the application fee and any monthly service fees. Keep in mind that the rate you end up getting on a personal loan also depends on your credit score and personal circumstances. The better your score the lower your rate will likely be. You can check your credit score here.

    Default Gravatar
    JenniferFebruary 3, 2025

    I am a carer and looking fort getting my car fixed and registered where are loans for carers

      Sarah Megginson's headshotFinder
      SarahFebruary 4, 2025Finder

      Hi Jennifer,

      Your eligibility for a personal loan depends on your income, debts and credit score. You can learn more about personal loans in this guide. Depending on your circumstances, you may also be eligible for a 0% interest personal loan for up to $3000 for essential costs like rent and bills, through Good Shepherd. Hope this helps!

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