Forthethingsthatmatter,notthethingsyoucansell.
Weddings, renovations, debt consolidation, medical, school fees — we shop 55 lenders to find a personal loan rate that doesn't sting.
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4 short questions. No credit check until you say go.
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Three reasons a broker beats your bank's app.
For the things that matter, not the things you can sell
Personal loans cover what secured loans can't — weddings, renovations, medical, debt consolidation, school fees. We're the broker for life events, not just vehicle purchases.
Bigger panel, sharper rate
Personal loan rates vary wildly between lenders (think 7% to 18%). Our 55 panel means we can almost always find a tighter rate than your bank's app will quote.
Debt consolidation done properly
Rolling 4 credit cards and a personal loan into one repayment usually saves you hundreds a month. We model both scenarios so you can see the saving in writing before you commit.
Loan basics.
The standard shape of a personal loan we'd write for a prime PAYG customer. Self-employed and lower credit profiles will see different terms.
- Loan term
- 1–7 yrs
- Indicative rate
- From 5.99%
- Loan amount
- $2k–$80k
- Decision time
- Same day
Who borrows a personal loan with us.
- Couples planning a wedding, honeymoon or major life event.
- Homeowners renovating without a redraw or top-up.
- Anyone consolidating credit card debt into a single, lower-rate repayment.
- Self-employed who need cash flow for a business expense the bank won't touch.
- Buyers of older cars and classics that fall outside standard car finance.
- Anyone financing a boat, jet ski or caravan.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Affordable Car Loans
- Alex Bank
- AMMF
- Angle Finance
- ANZ
- Arch Finance
- Assetline Capital
- Azora Finance
- Banjo
- Bank of Melbourne
- Bendigo Bank
- Bizcap
- BOQ
- BOQ Specialist
- Branded Financial Services
- Capital Finance
- Commonwealth Bank
- Dynamoney
- Earlypay
- Finance One
- Firstmac
- FlexiCommercial
- Grow Finance
- ING
- Judo Bank
- La Trobe Financial
- Latitude
- Liberty
- Lumi
- Maple Finance
- Medfin
- Metro Finance
- Money3
- MoneyMe Autopay
- MoneyPlace
- Moneytech
- Morris Finance
- Moula
- NAB
- Now Finance
- OnDeck
- Pallas Capital
- Pepper Money
- Plenti
- Prospa
- Qualitas
- Resimac Asset Finance
- ScotPac
- Selfco
- Shift
- SocietyOne
- Suncorp
- Thinktank
- Westpac
- Wisr
Four steps from enquiry to settled funds.
- 01
Tell us the purpose
Wedding, reno, consolidation, medical — what the loan is for matters for lender selection.
- 02
Soft credit check
No impact on your score. We get a feel for your file before any formal application.
- 03
Compare and choose
We come back with the 2–3 sharpest options from the panel and explain the trade-offs.
- 04
Settlement
Funds typically clear to your nominated account within 24–48 hours of formal approval.
Excellent experience with Londy while purchasing a car and a new tiny home. Fantastic to work with — very communicative and easy to get along with. Secured a loan that perfectly suited our needs, and the interest rate was great.
Common questions before you sign.
Is a personal loan secured against my house or car?
No — most personal loans are unsecured, which is why the rate is higher than a car or home loan. Some lenders offer secured personal loans (against an asset) at lower rates if you have something to put up as collateral.
Will applying for a personal loan affect my credit score?
We do a soft credit check first, which has no impact. A hard enquiry only happens when you formally apply with a chosen lender. Going broker means you avoid multiple hard enquiries from applying to lenders individually.
Can I use a personal loan for debt consolidation?
Yes — and it's one of the most common uses. Rolling multiple credit cards or smaller loans into one repayment usually drops your blended interest rate and simplifies your budget. We'll model both scenarios for you.
How quickly can I get the funds?
Most personal loans settle within 24–48 hours of formal lender approval. Some specialist lenders offer same-day funding for urgent files.
Do you write personal loans for self-employed?
Yes. Self-employed personal loans go to specialist lenders who accept business bank statements or BAS in lieu of payslips. We'll match your file to the right lender.
What can you use a personal loan for?
Personal loans can be used for a huge range of purposes, including:
- Debt consolidation — credit cards, personal loans, BNPL and other eligible debts
- Home renovations — kitchens, bathrooms, painting, flooring and general improvements
- Weddings & honeymoons
- Holidays & travel — flights, accommodation and major trips
- Medical & dental expenses — including elective procedures and major dental work
- Education & training — courses, qualifications and professional development
- Moving & relocation costs
- Furniture & appliances
- Solar & home improvements
- Technology & electronics
- Unexpected expenses & major bills
- Family expenses
- Legal expenses
- Funerals & other significant family events
- Boats, jet skis & recreational purchases
- Motorbikes & scooters
- Car repairs & mechanical work
- 4WD accessories & upgrades
- Caravans, camper trailers & camping equipment
- Hobbies & sporting equipment
- Special occasions & major purchases
- Cosmetic procedures
- Pet and veterinary expenses
- Starting or supporting a small project or side hustle — where permitted by the lender
- Almost any other legitimate personal purpose — subject to lender criteria
Get a real rate from a real broker — back in minutes.
Drop your details and we'll call you back within minutes during business hours. Or call and skip the form.