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Our expert says: How to keep on top of your loan
"A good loan will always have a lower interest rate and fewer fees. Comparing these two factors is the quickest way to figure out if a loan is good or not. But there are other factors too. Like length. A short term loan will cost you less because you repay it faster. But your monthly repayments will be higher. The average Australian personal loan is around $10,000. If you paid that off in 3 years with a 16% interest rate you'd pay $2,657 in interest. If you repaid it in 3 years you'd pay $1,752. It's a good idea to use a loan calculator to work out your actual costs before applying."
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A wedding loan is an innovative type of loan that allows you to fund different aspects of your wedding. Weddings can cost in upwards of $50,000, so having a personal loan to help finance some or all of your special day can come in handy. These type of loans usually come in the form of an unsecured personal loan or line of credit.
If you’re looking to purchase a boat you can secure financing through a boat loan. These loans work similarly to car loans in that you can choose to attach your newly-purchased boat as a guarantee to enjoy lower rates, or you can take out an unsecured personal loan so its less of a risk on your part.
Cosmetic surgery is becoming more commonplace these days, but it is still an expensive endeavour for the majority of people. Cosmetic surgery loans are usually unsecured personal loans or specially-designed loans from medical lenders. You can use the loan amount to finance the surgery, plane tickets to and from your hospital destination, or to help tide you over while you are in recovery.
Pay for your next holiday away
Holiday loans are another financing option you have available to you. If you find your savings insufficient to fund your next holiday, you can look at a holiday loan to purchase your ticket, book your hotel, or even just have some extra spending money. Holiday loans are available as fixed or variable rate loans, with some offering repayment terms of up to seven years.
Get a loan for a jetski
If you’ve ever dreamed of getting a jet ski, you probably weren’t dreaming about the price tag. Jet skis can cost anywhere between $10,000 and $15,000, so some people choose to take out a jet ski loan to help them make their purchase. Jet ski loans are, again, similar to car loans and can be in secured or unsecured, fixed or variable, all depending on your preferences and needs.
This is a type of loan that is offered directly through the car dealership where you purchase your vehicle. You may find the interest on these loans to be higher or lower than other personal or car loans depending on the residual balloon payment you’ll be paying at the end of the term.
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Ask a question
Hi, where am I able to get a $600 loan quickly Thanks
Hi Pam,
You may be eligible for a Good Shepherd loan of $2000 – $3000 with 0% interest, if you meet the eligibility criteria. You can find out more here.
You may also be interested in learning more about fast turnaround loans.
Hope this helps!
I work 15 hrs a week and receive Newstart as well,my credit rating says I have good credit yet I keep getting declined with no explanation,is there any loan place I can try to get help with renovations, and to pay off a small payday loan thanks
Hi Charmain,
You may be eligible for up to $3,000 in a no-interest loan through GoodShep: learn more here.
It’s also a good idea to get a copy of your credit score – you can download the Finder app and get an update on your credit score every week, so you can track any changes.
Hope this helps as a place to start!
Hey, I have a couple defaults as I missed a payment and then it gets hard to catch up. I want to catch up, maybe debt consolidation is a possibility? Also, if I can get approved for a debt consolidation loan am I able to get a little loan on top of that to help me get on my two feet again with one easy payment.
Hi Steph,
Thanks for reaching out.
Yes, debt consolidation might help you keep abreast with your loan payments but that will entirely depend on your financial situation. You may check and compare your debt consolidation loan options to ensure you make a better and informed decision. As for getting a loan on top of the debt consolidation, that would entirely depend on the lender as to how much you can borrow. They will most likely base it on your ability to pay off the loan and your overall financial position.
Moreover, please read more about the important steps to take to get of debt. You may also reach out to various institutions for free financial management advice.
Just a friendly note, please make sure to check the lender’s eligibility criteria before you submit your application, as rejected loan applications can have a negative impact on your credit score.
I hope this has helped.
Kind regards,
Liezl
I need a loan for about $100,000 I make 25,000 a month I bought a new car because my friend totaled my other one instead of waiting for A loan to be approved first my mother-in-law paid cash for it now I need to pay her back. How do I go about getting a loan like this
Hi Stacy,
Thanks for your question.
You may want to check your personal loan options featured on our website. Please do note that most unsecured loans have a maximum limit of up to $50,000 while the secured loans may allow you to borrow more than $50K.
You can use the loan calculator on the page to see which loan product can give you low monthly repayments. To check the requirements and eligibility criteria to apply for a particular loan, just click on its name so you’ll be redirected to its review page.
Cheers,
Anndy
I have existing personal loan, I need to borrow another 10k what will I do?
Hi Ram,
You have the option of getting in contact with your current lender and asking for a “loan top-up”. Keep in mind this involves applying for another loan and repaying your existing loan with the approved funds. You can also apply for an unsecured loan with another lender and consolidating your debt into one account.
I hope this helps,
Elizabeth