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Unsecured personal loans

Borrow money based on your creditworthiness instead of your collateral.

OurMoneyMarket Personal Loan

OurMoneyMarket Personal Loan


5.35 %p.a.

fixed rate


6.31 %p.a.

comparison rate

Rate dependent on risk profile

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Compare unsecured personal loans

Unsecured personal loans are a popular form of finance for Australians. Whether it's a holiday, car, wedding, renovations or something else entirely, there are numerous unsecured loan options to consider. Use our table below to help you compare top lenders in Australia today.

Data updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
OurMoneyMarket Personal Loan

From 5.35% (fixed)
1 to 7 years
1.5–6% of your total loan amount
You'll receive a fixed rate from 5.35% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

⭐ Finder Exclusive: Apply before April 30th to secure a discounted rate of 5.35% p.a. (comparison rate: 6.31% p.a.) for the first 12 months.
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
3 to 5 years
$575 ($275 for loans of below $5,000)
You'll receive a fixed rate between 6.99% p.a. and 24.79% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
Citi Personal Loan Plus
8.90% (variable)
3 to 5 years
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a.
A credit limit up to $40,000 that you can continue to draw down over terms up to 5 years. Note: Monthly account service fee will be waived for applications submitted before 30 September 2021.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
1 to 7 years
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% 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.
Alex Personal Loan

From 5.49% (fixed)
6 months to 5 years
$0 (Waived $295 establishment fee)
You'll receive a fixed interest rate from 5.49% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 3 May 2021
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
18 months to 7 years
No Establishment Fee
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

⭐ Finder Exclusive: Get a free $200 Westfield e-gift card once your loan application has settled. Offer ends on 30 April 2021. T&Cs apply.
Plenti Personal Loan

From 6.39% (fixed)
3 to 7 years
$0 to $999
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Symple Loans Personal Loan

From 5.75% (variable)
1 to 7 years
from 0% to 5% of the loan amount
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
1 to 7 years
$250 (Loans under $5000 - $140)
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.39% (fixed)
2 to 3 years
from 0% to 5% of the loan amount
You'll receive a fixed rate between 6.39% 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.
SocietyOne Unsecured Personal Loan (5 years)

From 6.39% (fixed)
5 years
from 0% to 5% of the loan amount
You'll receive a fixed rate between 6.39% p.a. and 19.99% 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.
Wisr Personal Loan

From 6.49% (fixed)
3 to 5 years
You'll receive a fixed rate between 6.49% p.a. and 19.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
MoneyMe Personal Loans

From 6.25% (fixed)
1 to 5 years
from $295 to $495
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
CUA Unsecured Fixed Rate Personal Loan
9.39% (fixed)
1 to 7 years
You'll receive a fixed rate of 9.39% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
Pepper Money No Fee Personal Loan

From 5.95% (fixed)
18 months to 7 years
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $50,000 and use for a range of purposes. Pay no upfront, early repayment or ongoing fees.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
1 to 3 years
$0 to $999
You'll receive a variable rate from 6.39% p.a and 16.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
NAB Personal Loan Unsecured Variable Rate

From 6.99% (variable)
1 to 7 years
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% 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.
CUA Unsecured Variable Personal Loan
11.89% (variable)
1 to 7 years
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.

Compare up to 4 providers

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What are the benefits of an unsecured personal loan?

Benefits of unsecured personal loans include:

  • Few restrictions. Unlike secured personal loans, which often have restrictions on how you can use loan funds, such as a vehicle purchase secured by the vehicle, unsecured loans can usually be used for any one or multiple expenses and purchases.
  • Multiple loan uses. Use the loan amount however you need to, such as purchasing furniture or consolidating debt (or both). How you use it is up to you.
Numerous options
  • Standard loan type. Unsecured loans are a standard type of loan, so you'll find that most banks and lenders offer their own version of an unsecured personal loan.
  • Wide range of lenders. This gives you a wide range of options to compare to find the right unsecured loan for you.
  • Fixed and variable options. You can choose which interest rate loan type you want (fixed rate personal loans or variable rate personal loans)
  • Multiple features. Decide what length loan term works for you and which other features you want to take advantage of.
Faster to apply for
  • Quicker applications. Unsecured personal loans usually have short applications with less paperwork than secured loans. This is because you do not have to prove ownership of an asset.
  • Quicker approvals. Generally approval times are also faster with unsecured personal loans. Some lenders can approve applications as fast as the same day.
Lower risk
  • No risk to property. Unsecured loans pose less risk to borrowers than secured loans, because you do not have to put your personal property on the line in order to guarantee the loan. With a secured loan, if you default on your repayments, a lender has claim to your property in order to recoup their losses.
Good and bad credit options available
  • Good credit options. While secured loans tend to be lower cost than unsecured loans, there are numerous low cost unsecured options for borrowers with good credit.
  • Bad credit options. While it is easier to qualify for a loan with poor credit if you offer asset security, it doesn't mean that there aren't unsecured loa options available on the market for poor credit applicants. That being said, rates for bad credit unsecured personal loan do tend to be significantly higher than unsecured personal loans for people with good credit.
  • Low rate options available. While interest rates are generally higher for unsecured personal loans than the secured personal loans, you can still find loans that offer low rates. Peer-to-peer lenders, for example, offer rates on unsecured personal loans that are on par with most secured loans.

What is the comparison rate on an unsecured personal loan?

A comparison rate helps you understand the true cost of a loan. Displayed as a percentage, this rate includes both the interest rate and the various fees and charges that come with the loan. That's why it is generally higher than the displayed interest rate. Please read our guide to personal loan comparison rates for more information.

Interest rate guide

How does an unsecured personal loan work?

Unsecured personal loans generally let you borrow from $1,000 to $100,000 without needing to use an asset, like a car or property, as security. You can use the loan for any worthwhile purpose and repay the loan plus interest over an agreed term. Terms generally vary from 1 to 7 years.

While you can generally use the funds however you want, you may be asked to list why you're applying for an unsecured loan. This will form part of the lender's decision.

Unsecured loans will generally have higher rates than secured personal loans. You may also need to pay establishment fees or ongoing fees, so be sure to check these before you apply. Some unsecured personal loans will also come with additional features, such as the ability to repay your loan early without penalty.

What can you use an unsecured personal loan for?

There are a multitude of options for what you can use your unsecured personal loan for:

Why is the interest rate higher than a secured loan?

Interest rates on unsecured loans are higher for borrowers, as lenders are taking on a higher risk. If your loan is secured, the lender can take ownership of the asset you've used as collateral to cover the cost of the loan. Because they don't have that collateral on an unsecured loan, to safeguard themselves, lenders charge more interest so that they have more to fall back on should you fail to meet your repayments.

How do you find the best unsecured personal loan?

Comparing your unsecured personal loan options is an important part of finding the right loan for you. Here are some things to keep in mind when doing so:

  • Interest rate. Check whether the interest rate is fixed or variable and whether it's competitive. Unsecured personal loan rates generally range from 7.5% to 18%. Don't forget to check the comparison rate.
  • Minimum and maximum loan amounts. All lenders will set a minimum amount that you can borrow and the majority will also have a maximum – these usually vary between $1,000 and $100,000. It's important to check that the amount you need is within the range offered by the lender.
  • Fees and charges. You can be charged upfront and ongoing fees for an unsecured loan, so check what these are before you apply. You can look at the comparison rate to see the overall cost of the loan, which will include these fees.
  • Additional features. Your loan may come with additional features that you might find convenient, such as online account management, a redraw facility to access additional repayments or discounts on additional products offered by the lender.

How much can you borrow with an unsecured personal loan?

Typically, unsecured personal loans are available from $2,001 up to $100,000. Unsecured personal loans under $2,001 are typically classed as payday loans.

According to research by Plenti, most personal loans average around $15,000 to $16,000 across the three surveyed age groups:

  • Baby boomers. According to the research, the group born between 1946 and 1964 averaged an unsecured personal loan borrowing of $15,676.
  • Gen X. Australians born between the mid-1960s and the early 1980s were associated with the biggest loan size, with a borrowing average of $16,793.
  • Millennials. Those born from the early-mid 1980s to 1996 averaged the least in unsecured personal loan value, coming in at $14,832. These differentials would likely come down to borrowing power and income levels.

Loan terms for unsecured personal loans range from 1 to 7 years, depending on your circumstances and the amount of money you borrow.

Tips for borrowing a small unsecured personal loan

  • Avoid payday loans where possible. While you shouldn't borrow more than you need, opting for a loan under $2,000 means that you are likely going to end up with a payday lender. Payday loans are one of the most expensive forms of finance, with an upfront fee of 20% of the loan amount and 4% in monthly fees. Therefore, if you require slightly less than $2,000, it may cost you less in the long run to opt for a little more. To help you work out the true cost of a loan, you can use our personal loan calculator.
  • Check your loan term. If your loan term is too long, you will end up paying more over the life of the loan. With a small loan especially, it's important to opt for as short a term as you can afford.
  • Additional repayments. Where possible, opt for a loan that allows you to make additional repayments.
  • Opt for a loan without exit penalties. With a small loan, you may find that you are able to repay the loan early and save money over the life of the loan. Ensure that the loan you opt for does not impose break fees/early exit penalties.

Tips for borrowing a large unsecured personal loan

  • Don't over-borrow. Unsecured loans generally cost more than secured personal loans, so if you're opting for a larger unsecured loan, it's best to only borrow as much as you need, to avoid paying for additional funds.
  • Ensure that you're eligible. While this goes for any loan that you apply for, it's especially relevant if you are going to be opting for a larger unsecured sum of money. Lenders will scrutinise your application and if you fall short, your loan won't be approved.
  • Build a good account history. If you already have a bank account that your salary goes into with the lender you're planning on borrowing from, it's a good idea to build a good account history with them. You can do this by showing that you know how to budget by paying your bills on time and putting some money aside each month.
  • Improve your credit score. If you don't have a good-excellent credit score, it's unlikely that you'll be approved for a large unsecured personal loan. This is because you pose a greater risk to the lender. Fortunately, there are some things that you can do to improve your credit score before you apply.

Should you choose a fixed or a variable interest rate?

Whether you opt for a fixed or a variable interest rate will depend on your preferences. Both have benefits and drawbacks. These include:

Fixed rate


  • Repayments won't rise. A fixed rate interest loan means that your repayments will not rise over the life of the loan.
  • Budget effectively. Because you have the same repayments each month, fixed repayments can help you to budget effectively.


  • Shorter repayment terms. Fixed rate loans are only available on terms of up to 5 years.
  • You could end up paying more. If rates drop, you will continue to pay the same amount regardless.
  • Break fees. Fixed rate loans also more frequently feature penalty charges if you exit the loan early.
Variable rate


  • Repayments could decrease. Variable rate loans can fluctuate throughout the life of the loan, which means that your repayments could drop, saving you money.
  • Longer repayment terms. Variable rate loans generally have terms of up to 7 years.
  • Allow additional repayments. These loans frequently allow you to make additional repayments and repay the loan early penalty-free.
  • Redraws facilities. If you make additional repayments on a variable rate loan, you can often access these funds via a redraw facility free of charge.


  • Repayments could rise. Your rate could increase with a variable rate loan, meaning that your repayments would become more expensive.
  • Can make budgeting difficult. Being unsure of what you'll be repaying month to month can make budgeting tricky.

Fees to look out for

The following fees are commonly associated with unsecured personal loans:

  • Establishment fee. This is a fee charged at loan settlement. It usually ranges from $0 to $600 per loan.
  • Ongoing fees. Sometimes called "account keeping fees", these are usually small fees of $5 to $15 a month. However, be aware that over a 5-year loan term, a $10 monthly fee will add up to $600.
  • Admin fee. If you request any documentation regarding your loan, you may be charged an admin fee. However, many loans offer online accounts, where you can view your documents online for free.
  • Dishonour fee. If you miss a direct debit payment, you may be charged a small dishonour fee. Your bank may also charge you a dishonour fee, on top of the lender fee.
  • Late payment fee. These are fees charged if you make a late payment. These are usually a flat fee of around $30.
  • Break fee. Most commonly associated with fixed rate loans, these are fees charged for repaying the loan early, and therefore breaking the loan contract. These fees usually vary depending on how much time you still have on the loan contract, but they can be hefty.

What to weigh up: The pros and cons of an unsecured loan

  • No asset security. This is beneficial if you don't want to risk an asset that you're buying or one that you already own. It also opens up loans to borrowers who do not necessarily own an asset of significant value.
  • Flexible loan purpose. Once you're approved, the funds will be transferred to you and you can use them to consolidate debt, purchase whatever you need, or even to invest.
  • Easy application process. The application can typically take place online if you can provide the appropriate documentation required. After the application, you will usually get a response in as little as 60 seconds. Approval time will depend on the lender.
  • Can have higher fees. The lender may charge higher fees to compensate for the fact that there is no asset as collateral. The fees may come in the form of an establishment fee or monthly fees.
  • Penalties for missed payments. The lender may charge you high fees for late payments. It can also take legal action against you and take you to court if you default on the loan.
  • Higher interest rates. Interest rates are generally higher on unsecured loans.

Is there anything to avoid with an unsecured personal loan?

  • Not being upfront about what you're using the funds for. When you apply for an unsecured personal loan, you will need to tell the lender what you're applying for. Always be upfront with your lender about this, whether it be for business purposes, to consolidate debts or to take a holiday – honesty is the best policy.
  • Borrowing more than what you need. Use a personal loan repayment calculator to see how much your repayments will be. This will ensure that you're aware of whether or not you'll be able to afford repayments on your current budget. Even if you're offered a larger loan, consider whether you should take it on. The loan will be your responsibility to repay.
  • Unlicensed lenders. Always make sure you're getting an unsecured personal loan from a licensed lender. All providers must be licensed with ASIC. You can search through the ASIC Professional Register to check this.
  • Loans with excessive costs. Make sure to compare loans so that you get a competitive offering. Don't just look at the interest rate either; make sure you check upfront and ongoing fees as well as the comparison rate to get an idea of the true cost of the loan.

How to apply for an unsecured personal loan

If you think an unsecured personal loan is for you, all you need to do is use Finder's comparison table to compare unsecured loan options. After browsing through the table and finding a suitable loan, click "Go to site" to go to the lender's website and start the application process. Typically, to get an unsecured loan, you'll need to meet a range of criteria set by the lenders. You:

  • Must be at least 18 years old
  • Will usually need a good credit rating
  • Must be able to provide documentation in your loan application that proves you will be able to pay off the loan
  • May be asked to provide copies of your payslips, bank account statements and other credit contracts
  • Need to provide 100 points of ID

Can you get an unsecured personal loan with bad credit?

Because unsecured personal loans pose more of a risk to lenders, it can be more difficult for borrowers with poor credit histories to get approved. However, there are some lenders that cater to bad credit borrowers specifically. These include:

  • Short term loans. Short term loans, also known as "payday loans", are an unsecured finance option for people with bad credit. These types of loans are more expensive than other types of personal loans, and terms are much shorter – from 16 days to 1 year. They also usually have much lower minimum and maximum amounts than most unsecured personal loans, usually from $100 to $2,000. However, in some cases, personal loans can be available up to $5,000, or you may be able to apply for a personal loan up to $10,000.
  • Debt consolidation loans. If you're struggling with multiple debts, you could consider combining them under one new account with a debt consolidation loan. Some lenders offer – and even specialise in – debt consolidation loans for bad credit applicants. However, be aware that the point of a debt consolidation loan is to save money on your repayments, so only choose this option if the lender in question offers a better deal than what you are currently paying. It's also important to check the eligibility criteria before applying, to ensure that you meet the necessary requirements.

Can you get an unsecured personal loan if you're self-employed?

If you're self-employed, you can get an unsecured personal loan, particularly if you have a good credit history. However, you may have to supply more documentation than someone who is employed full-time by a corporation in order to qualify for a standard unsecured personal loan. This could include:

  • Tax returns. You may have to show up to two years worth of personal or company tax returns.
  • Financial statements. Profit/loss statements may also be required to support your income.
  • Notice of Assessment. The lender may require up to two years of your recent Notice of Assessment (NOA) given to you by the Australian Taxation Office (ATO).
  • Proof of rental income. If you have any income from rental properties, you can declare this with real estate statements or copies of your executed lease agreements.
  • Recent bank statements. These can usually be accessed digitally via your secure online banking. However, hard copies may be required, depending on the lender.
  • Company-specific information. If you own your own business, be prepared to provide information such as your company's ABN, address, etc.

Alternatively, you can opt for a low-doc personal loan as a self-employed individual. Low-doc loans are easier to apply for and require much less documentation. However, there are usually higher rates and fees involved.

Credit card vs unsecured personal loan – which is better?

Whether a credit card or an unsecured personal loan is better will largely depend on a number of contributing factors, including:

  • How much you need
  • What you need the funds for
  • Your income
  • Your credit rating

Below we'll outline the pros and cons of both unsecured personal loans and credit cards, and what they are both suitable for.

What to consider with an unsecured personal loan

Suitable for
  • Typically lower interest rates than credit cards
  • May be cheaper in the long term
  • A set repayment schedule means your debt comes with an end date
  • It's potentially less tempting to spend impulsively
  • The minimum loan term means that you'll carry the debt for over a year
  • Can be inflexible (e.g. may charge for redraw options or early repayments)
  • Can take longer to apply for
  • Large, one-off purchases such as home renovations, weddings, holidays and cars
  • Debt consolidation
  • Borrowing over a long period of time

What to consider with a credit card

Suitable for
  • Immediate spending
  • Can come with rewards, such as frequent flier miles
  • It's a revolving line of credit
  • Balance transfers are available for debt consolidation
  • You can get interest-free days
  • Usually carry higher interest rates
  • Only require a minimum repayment each statement period
  • Balance transfer rate reverts to the cash advance rate eventually
  • Smaller purchases less than approximately $5,000
  • A continuous small amount of credit
  • Small debt consolidations
  • Short-term debts
  • Everyday shopping or retail purchases to earn reward points
  • Spending amounts that you can pay back within the introductory period

What happens if you can't meet your repayments on an unsecured loan?

Most lenders have financial hardship assistance in place for unforeseen circumstances. Therefore, if you can't meet your repayments on an unsecured loan for any reason, it's important that you let your lender know as soon as possible. This will help you to avoid potential late payment fees, defaults on your credit report or legal action.

Your lender may be able to postpone a single repayment until you have the funds, apply a temporary repayment freeze, or reduce your repayments and restructure your loan to make it more manageable for you.

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Frequently asked questions about unsecured loans

More guides on Finder

    Personal Loan Offers

    Important Information*
    Logo for Harmoney Unsecured Personal Loan
    Harmoney Unsecured Personal Loan

    You'll receive a fixed rate between 6.99% p.a. and 24.79% p.a. based on your risk profile.
    Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

    Logo for ANZ Fixed Rate Personal Loan
    ANZ Fixed Rate Personal Loan

    You'll receive a fixed rate of 10.5% p.a.
    Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

    Logo for NAB Personal Loan Unsecured Fixed
    NAB Personal Loan Unsecured Fixed

    You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% 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.

    Logo for SocietyOne Unsecured Personal Loan
    SocietyOne Unsecured Personal Loan

    You'll receive a fixed rate between 6.99% p.a. and 20.49% 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.

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    38 Responses

      Default Gravatar
      KarenNovember 13, 2018

      I am on a disability pension and want to pay off my credit card and Centrelink loans. Can you advise me of the best way to get a loan for $1000 please

        Avatarfinder Customer Care
        JohnNovember 13, 2018Staff

        Hi Karen,

        Thank you for leaving a comment.

        If you are looking to pay off your credit card balance and Centrelink loan, you may consider applying for a personal loan for debt consolidation. According to our review, Centrelink can be classed as genuine income by some lenders and can be used as income to assess your serviceability for a debt consolidation loan. It’s important to calculate your repayments and find out if your lender accepts your types of income. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’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. You can also contact the provider if you have specific questions. Hope this helps!


      Default Gravatar
      colleenSeptember 10, 2018

      Hi. I need a personal loan of 40k to pay off an existing loan and leave some to purchase a motorcycle. These sites are all just taking into consideration MY circumstances instead of the household income. My husband pays most things and I pay the existing loan and other insurance expenses etc. Who can I contact to get a loan which includes my household combined income?

        Avatarfinder Customer Care
        JoshuaSeptember 12, 2018Staff

        Hi Colleen,

        Thanks for getting in touch with Finder. I hope all is well with you. :)

        I understand you’re looking for a lender that would consider your household income. Indeed, the majority of lenders would only assess your individual income primarily. However, we do have a page that lists lenders who provide personal loans on joint applications.

        On that page, you will see a table that allows you to conveniently compare your options. You can compare according to the loan amount, fees, term payment, and so on. Once you have found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

        I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

        Have a wonderful day!


      Default Gravatar
      LilianJuly 12, 2018

      am a starter in businesses and and i need loan $ 2500 to enable have the working capital and set up, am citizen of Kenya.. please advise

        Default Gravatar
        JoelJuly 13, 2018

        Hi Lilian,

        Thanks for leaving a question on finder.

        Unfortunately, the lenders featured on our website only caters to residents from the US, Australia, UK, Canada and New Zealand. You will have to check with your local lenders if you are not from those 5 countries I mentioned. Sorry about that.


      Default Gravatar
      LMApril 6, 2017

      Of all of CUA’s personal loans which ones can be used as an unsecured personal loan for ~$55000

        Avatarfinder Customer Care
        HaroldApril 7, 2017Staff

        Hi LM,

        Thank you for you inquiry.

        Unfortunately, there is no available unsecured loan from CUA. Thankfully, there is a list of unsecured personal loans featured on this page. Please go ahead and check them. You might find the right one for you through that page.

        I hope this information has helped.


      Default Gravatar
      FrankDecember 30, 2016


      What will be the best loan option if I am looking at buying an overseas (Subcontinent) property. I am looking at around $150,000. I have a good paying job where I am making more than $10,000 pre-tax a month.

        Avatarfinder Customer Care
        MayDecember 30, 2016Staff

        Hi Frank,

        Thanks for your question.

        If you’re looking for a personal loan, I’m afraid that these lenders featured on our site offer loans to Australian markets only and the maximum amount they can lend would be at $50K. Higher than that amount would generally be risky to most lenders. Usually, if you’re to purchase a property, the option you would have is to take a home loan, but again, the banks/lenders would only service the people in Australia and the properties would also be in the country.


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      JanDecember 19, 2016

      Hi,My husband and I are considering buying a business. It is already quite lucrative and has been for some time. We are looking for $400,000.00 for 5 years unsecured. Could you tell us if there is anywhere we could apply? We would also like to make extra payments.

        Avatarfinder Customer Care
        DeeDecember 19, 2016Staff

        Hi Jan,

        Thanks for reaching out.

        If you are looking to apply for a personal loan, please note that most lenders offer a maximum loan amount of less than $100,000. You may want to consider a business loan that generally has a higher limit. You may also compare your business loan options featured on our website.


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      Jacku01October 13, 2016

      I need 25,000 to build a deck on a new house we’ve just built.
      Over 3 years, can I pay off early or make extra payments?
      I can easily repay in less than 3 years, just want to make sure all is ok.

        Avatarfinder Customer Care
        ElizabethOctober 14, 2016Staff

        Hi Jacku01,

        This depends on the lender you apply with. Usually you can make extra repayments and repay early on a variable rate loan, but again, this will depend on the lender. You can click on the names of the loans above to see a review page, where you’ll find a list of fees so you can see if extra repayments are allowed on the loan you’re considering.

        Hope this helps,


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      EshaAugust 23, 2016

      Hi,looking for unsecured Personal loan of $50k,asset & funds cost only $10k, so is it possible that my loan approved, as u meet the other criteria’s..

        Avatarfinder Customer Care
        ElizabethAugust 24, 2016Staff

        Hi Esha,

        You can compare your unsecured personal loan options on the page above. Each lender will have different eligibility criteria, which you can check on the review page by clicking on the name of the loan. The review page will also list the maximum loan amount able to be borrowed with the loan, but keep in mind how much you can borrow depends on your individual financial situation and how much you can afford.

        I hope this helps,


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      simoneAugust 9, 2016

      Looking for personal loan of $40k to provide for home loan deposit. When home loan is funded personal loan will be paid out

        Avatarfinder Customer Care
        ElizabethAugust 11, 2016Staff

        Hi Simone,

        You can compare your personal loan options on the page above, however keep in mind you’ll need to advise the purpose of your loan when you apply. As it’s to fund your home loan deposit lenders may be hesitant as it’s a risk. You can check the eligibility criteria for each loan by clicking through to the review pages and click “Go to Site” when you’re ready to apply. If you’re unsure of your eligibility, talking to the lender directly is a good place to start.

        Hope this helps,


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      Phil1984June 29, 2016

      Good Afternoon,

      I have two personal loans at the moment, both used to purchase business equipment (still at startup stage) we have 33k over the both at the moment and are looking to borrow at least 40-50k to cover our last high interest loan and a bit of cash to get the rest of the business off the ground. We would need to do this unsecured as we are at 80% on our house after renos.

      any advice would be appreciated.

        Avatarfinder Customer Care
        ElizabethJune 30, 2016Staff

        Hi Phil1984,

        Your personal loan options are outlined on the page above. However, with two out already, you may have trouble being approved for a third. If it’s for business purposes you can find out a few of your business loan options featured on our website. You can browse through the lenders on the main page as well as on the sidebar as there are several different loan options available, from line of credit loans to lump-sum payments.

        Some lenders require your business to be in operation for a certain amount of time, but others will offer you financing at the startup phase. I can’t recommend a specific lender to you, but you can compare your options on the page.

        I hope this information helps,


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