Personal loans in Sydney Personal loans, compared before you sign
Whether it's a renovation, a wedding, medical costs or tidying up a few debts, we compare personal loans across lenders and explain the full cost, including fees, before you commit.
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Who this suits
- You need funds for a renovation, a wedding, travel or a big purchase
- You want to roll a few smaller debts into one repayment
- You'd like a fixed repayment and a set end date
- You're planning to buy a home soon and want to know how a new loan affects that
When it may not be the right fit
- Covering everyday bills: a loan won't fix a budget gap. If money is tight, we may point you to free financial counselling first.
How it works
- Tell us what it's forThe amount, the purpose and how quickly you'd like to repay it.
- Secured or unsecuredUsing a car or other asset as security usually lowers the rate. Unsecured loans are simpler but usually cost more.
- Compare the full costThe comparison rate, establishment and monthly fees, and early repayment terms, not just the advertised rate.
- Approval and fundsWe prepare the application and keep it moving until the money is in your account.
Things worth knowing
The comparison rate tells you more
It includes most fees, so it's a fairer way to compare personal loans than the advertised rate.
Check the early repayment terms
Some loans charge a fee if you pay them off early. If you might, choose one that lets you.
Consolidating only helps if the old debts close
Rolling credit cards into a personal loan can cut your interest, but only if you close the cards or lower their limits.
A new loan affects your home loan plans
Home loan lenders count personal loan repayments, so the timing matters if you're buying soon.
Documents you'll usually need
- Photo ID
- Your two latest payslips, or recent financials if you're self-employed
- Three months of bank statements
- Statements for any debts you're paying out
- A quote or invoice, if the loan is for a specific purchase
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
What's the difference between a secured and an unsecured personal loan?
A secured loan uses an asset, often a car, as security, which usually means a lower rate. An unsecured loan has no security, so lenders usually charge more.
Can I pay a personal loan off early?
Often, yes, but some fixed-rate loans charge an early repayment fee. We check before you sign.
Will a personal loan affect my credit score?
Applying records an enquiry on your credit file, and the loan shows as a debt. Repaying on time helps over time.
Can you help me consolidate my debts?
Yes. We show you the total cost both ways, so you can see whether consolidating actually saves you money.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.