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Richard Whitten

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Personal loans

Unsecured Personal Loans

Consolidate debt, make a large purchase or finance anything else you want. Compare lenders and see what options are available.

Unsecured Personal Loans

Secured Personal Loans

Use your vehicle as security to get a lower rate on a personal loan. You can then use the funds for whatever you choose.

Secured Personal Loans

Lines of Credit

Enjoy no set term on a convenient ongoing line of credit. You can draw up to your set limit as and when you need.

Lines of Credit

Vehicle financing

Car Loans

New, used and older car loans are available from a range of lenders. Get a competitive rate by using your new car as a guarantee.

Car Loans

Used Car Loans

Looking to snap up a used car bargain? Find out which lenders will let you use your used car as security and compare rates today.

Used Car Loans

Motorcycle Loans

While motorcycles can be costly, the right financing can help spread the cost into manageable installments.

Motorcycle Loans

Bad credit, debt consolidation and self-employed loans

Bad credit loans

Similar to short-term loans but for larger amounts, these can be applied for by people with bad credit.

Bad credit loans

How to consolidate your debt

Want to get a better handle on your debt? Find out what options you have to consolidate and get back in control.

How to consolidate your debt

Self-employed Loans

If you are self-employed it can be a bit tricky to get a personal loan, but there are still options available.

Self-employed Loans
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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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Senior Money Editor

Learn more about personal loans

Joint application loans

You can apply for some personal loans jointly with another borrower. Both borrowers are responsible for repaying the loan.

Joint application loans

Peer-to-Peer Lending

Find out how you can get a personalised rate with this innovative new type of lender.

Peer-to-Peer Lending

Personal Loan Calculators

Work out how much you could borrow and whether you will be able to afford the repayments on your next personal loan.

Personal Loan Calculators

More loan types you can compare

Loans for your wedding

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.

How to use a boat loan

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.

Loans for cosmetic surgery

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.

What is dealer finance?

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.

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 677 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips

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50 Responses

    Default Gravatar
    relmaJuly 25, 2016

    I’m working withCommunity Home Support Program involving age care and I want to get myself a car. I earn over $1300 and have a permanent position. Can you help me

      Elizabeth Barry's headshotFinder
      ElizabethJuly 29, 2016Finder

      Hi Relma,

      I can’t recommend a specific lender as it depends more on your specific financial situation (your assets, debts, credit history, etc.). You can compare your car loan options through our website. If you want to find out some more information on any lenders, you can click through to the review pages by selecting the name of the lender. If you find a lender you want to apply with, you can select the “Go to Site” to submit your application.

      I hope this helps,

      Elizabeth

    Default Gravatar
    JudyJune 29, 2016

    Hi there. I am a working Singaporean looking to acquire a farm worth AUD899K in Manjimup, Perth. I have a residence in Singapore. Need a business loan to finance the purchase. Can you help me?

      Elizabeth Barry's headshotFinder
      ElizabethJune 30, 2016Finder

      Hi Judy,

      You can compare your business loan options, and find out more about business finance through our website.

      I hope this helps,

      Elizabeth

    Default Gravatar
    amarFebruary 8, 2016

    how to get home loan based on salary

      Default Gravatar
      BelindaFebruary 11, 2016

      Hi Amar,

      Thanks for reaching out.

      If you’d like to estimate how much you can afford to borrow based on your income, you can use our borrowing power calculator.

      It’s also advised that you speak to a mortgage broker to discuss your borrowing capacity and your ability to qualify for a home loan based on your earning potential as well as your assets, credit history, and any existing debts that you have, among other factors.

      Before applying for a home loan, 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.

      Thanks,
      Belinda

    Default Gravatar
    GarryNovember 28, 2015

    I would like to know what the difference between a unsecured personal loan and a secured personal loan

      Elizabeth Barry's headshotFinder
      ElizabethNovember 30, 2015Finder

      Hi Garry,

      Thanks for your question.

      The main difference between a secured and unsecured personal loan is that with a secured personal loan, you have to provide an asset as collateral, whereas you don’t with an unsecured loan. We have written a guide on secured and unsecured personal loans that will give you a clear explanation.

      I hope it will help.

      Thanks,
      Elizabeth

    Default Gravatar
    tammyNovember 25, 2015

    i need a personal loan and i have bad credit i dont want to go with the payday loans as the interest rate is unbelievable high
    can you tell me were i could get a personal loan from my partner and i will be applying together he works full-time and im on newstart thankyou
    tammy beattie

      Matt Corke's headshotFinder
      MattNovember 26, 2015Finder

      Hi Tammy,

      Thanks for getting in touch. You can compare a range of lenders who offer secured bad credit loans. These lenders will require you to put up some form of the asset as collateral on your loan amount.

      If you applying for a joint personal loan, there are several lenders that offer this type of loan. Compare them on the table and check their conditions when applying.

      If you are ready to apply, you may click through the lender of your choice and apply directly to their website. 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.

      Cheers
      Matt

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