|
|
|
From 7.5% (fixed)
|
9.51%
|
$5,000
|
2 to 5 years
|
from 3% of loan amount
|
$0
|
|
You'll receive a fixed rate between 7.5% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
|
|
|
|
|
|
|
From 8.99% (variable)
|
9.67%
|
$5,000
|
3 to 5 years
|
$0 ($199 establishment fee waived)
|
$10
|
|
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.67% p.a. to 18.6% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: The establishment fee will be waived if you apply before 30 September 2019.
|
|
|
|
|
|
|
From 7.81% (variable)
|
9.84%
|
$2,001
|
6 months to 5 years
|
$299 (from $299 based on $10,000)
|
$0
|
|
You'll receive a variable rate between 7.81% p.a. and 16.4% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
|
|
|
|
|
|
|
From 6.99% (fixed)
|
7.69%
|
$5,000
|
3 to 5 years
|
$500 (Upfront fee)
|
$0
|
|
You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.
|
|
|
|
|
|
|
From 8.95% (fixed)
|
10.56%
|
$5,000
|
18 months to 7 years
|
$495 (Based on $10,000)
|
$13
|
|
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.
|
|
|
|
|
|
|
From 10.69% (fixed)
|
11.58%
|
$5,000
|
1 to 7 years
|
$150
|
$10
|
|
You'll receive a fixed rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
|
|
|
|
|
|
|
From 5.99% (variable)
|
7.55%
|
$5,000
|
1 to 7 years
|
from 2% to 5% of the loan amount
|
$10
|
|
You'll receive a personalised interest rate from 5.99% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
|
|
|
|
|
|
|
From 12.99% (fixed)
|
14.06%
|
$2,000
|
1 to 5 years
|
$0 ($195 establishment fee waived)
|
$12
|
|
You'll receive a fixed rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes. Note: Establishment fee will be waived if you apply and are approved before 30 September 2019.
|
|
|
|
|
|
|
From 13.99% (fixed)
|
15.19%
|
$3,000
|
1 to 7 years
|
$250 (Loans under $5000 - $140)
|
$13
|
|
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
|
|
|
|
|
|
|
From 7.93% (fixed)
|
8.77%
|
$1,000
|
1 to 5 years
|
$500 (from $100 to $500)
|
$10
|
|
You'll receive a fixed rate between 7.93% p.a. and 18.87% p.a. based on your risk profile
An unsecured loan with a low minimum borrowing amount and flexible repayment options.
|
|
|
|
|
|
|
From 8.05% (fixed)
|
9.06%
|
$2,000
|
1 to 7 years
|
1.5–6% of your total loan amount
|
$0
|
|
You'll receive a fixed rate from 8.05% p.a. based on your risk profile
A personalised loan from $2,000 to $50,000 that varies based on your credit history and financial situation.
|
|
|
|
|
|
|
From 7.65% (fixed)
|
7.65%
|
$5,000
|
3 to 7 years
|
0% - 5% of loan amount
|
$0
|
|
You'll receive a fixed rate between 7.65% p.a. and 22.52% p.a. based on your risk profile
A no-frills personal loan that you can use for any purpose. Loan amounts available up to $45,000 and early repayments allowed.
|
|
|
|
|
|
|
From 10.69% (variable)
|
11.58%
|
$5,000
|
1 to 7 years
|
$150
|
$10
|
|
You'll receive a variable rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
|
|
|
|
|
|
|
From 12.99% (variable)
|
14.06%
|
$2,000
|
1 to 7 years
|
$0 ($195 establishment fee waived)
|
$12
|
|
You'll receive a variable rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 plus the convenience to make extra repayments and redraw them if you need them. Note: Establishment fee will be waived if you apply and are approved before 30 September 2019.
|
|
|
|
|
|
|
9.99% (fixed)
|
11.22%
|
$20,000
|
1 to 7 years
|
$250
|
$13
|
|
You'll receive a fixed rate of 9.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.
|
|
|
|
|
|
|
From 7.88% (variable)
|
8.72%
|
$1,000
|
1 to 7 years
|
$500 (from $100 to $500)
|
$10
|
|
You'll receive a variable rate between 7.88% p.a. and 18.82% p.a. based on your risk profile
An unsecured loan with flexible repayment options and a low minimum borrowing amount.
|
|
|
|
Hi! I have been approved for a small loan through my work. The only problem is I don’t have a guarantor. I have no family or friends and I have only been living here for 12 months and don’t know anyone. So how and where can I find a guarantor?
Hi Kylie,
Thanks for getting in touch with Finder. I’m sorry to hear about your problem.
Regarding your question, a guarantor can be anyone who is willing to take on your debt if in case you default on your loan. I can’t specifically tell you where you can find a guarantor since I’m not completely familiar with your situation. Perhaps, you can ask around and finally find someone who wants to be your guarantor.
If in case you can’t find a guarantor, you might consider small payday loans. If this interests you, please click on this link. On that page, you will see a table that allows you to conveniently compare fast small personal loans in Australia. You can compare based on maximum loan amount, loan term, and costs, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.
Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
I’m looking for a bad credit personal loan and on centrelink, I have a guareentor but having trouble finding places that will help me.
Can you plz tell me who will actually help me?
Hi Catherine,
Thank you for reaching out to finder.
While we do not provide specific product recommendations, we can help guide you through the process of comparing options. You may click on this link to be routed to our comparison table for lenders who can provide to users with bad credit. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!
Cheers,
Reggie
I would like to apply for a personal loan where I can also put down a guarantor.
Hi Demi,
Thanks for leaving a question on finder.
Everything you need to know on how to get approved for a loan with a guarantor is in this page you are in. If you have any other specific questions that is not in this guide, please send us a message anytime. :)
Cheers,
Joel
Hi, I am currently looking to apply for a personal loan I’m a single mother on the pension and I have recently become aware that my credit isn’t very good I have roughly $20,000 in assets and I am easily able to afford my loan repayments but unfortunately I don’t know anyone who can go as guarantor on the loan for me. I was wondering if you know of anyone who will legally sign as my guarantor on the loan please??
Hi Erin,
Thank you for your inquiry.
Typically, a guarantor could be someone you know. Because when you ask someone to guarantee your loan, you are asking them to take on your debt if you default on your loan. Please read this page to review the available options for you.
I hope this information has helped.
Cheers,
Harold
Hi,
Community first don’t accept a guarantor for personal loans where the applicant has a bad credit history. It seems that no lenders do. Have I missed something or is this article false?
Hi Dee,
Thank you for your question.
Please note each bank and lender will have different criteria based on the applications they will consider. You’ll need to get in contact with the lender you’re looking to apply with to confirm your eligibility. At present, if you have bad credit history you may want to consider this options.
I hope this information has helped.
Cheers,
Harold
Hi i need a $20,000 loan to buy a new car, however my credit history is bad, my parents are prepared to go guarantor they own their own house and all their assets, is this going to be possible or am i wasting my time. thanks Michelle
Hi Michelle,
A guarantor can be a great way to bolster your application if you don’t meet the criteria, but each bank and lender will have different criteria as to what applications they’ll consider. You’ll need to get in contact with the lender you’re looking to apply with to confirm your eligibility.
I hope this helps,
Elizabeth
I went guarantor on a loan unfortunately some payments were missed and it went to the debt collectors.My question is did the financial institute where that money was borrowed should have got in contact with me before it went to the debt collector or not.The person who has the loan has been keeping up the payments on time.Reason he defaulted was he lost his job.
Hi Tony,
When you signed onto the loan as a guarantor you would’ve received a copy of the loan agreement which would contain details of what was supposed to happen in this situation. Usually, the lender would come to the guarantor if payments were missed. It would be best to check the loan agreement and contact the lender, and to seek legal advice. There are free legal advice services in every state.
Hope this has helped,
Elizabeth