Purpose and amount
A defined purchase or project budget helps prevent borrowing more than the intended use requires.
Consumer finance
Personal loans for planned purchases and expenses
Tell us the purpose, amount, budget and preferred term. A broker can compare suitable secured and unsecured options.
- 50+ lenders in the panel
- Australia-wide
- Enquiry first — no application lodged
What affects your options
Compare purpose, loan type and total cost
The lowest advertised rate is not always the lowest-cost or most suitable loan. Compare the purpose, security, term, fees and repayment conditions.
Secured or unsecured
Linking an eligible asset may change pricing and conditions; unsecured options use a different assessment and risk profile.
Repayment window
The term changes both the regular repayment and the total interest paid over the life of the loan.
Current commitments
Existing repayments and regular expenses form part of the lender's affordability assessment.
What this finance may cover
- 01Home improvements
- 02Eligible debt consolidation
- 03Education or professional costs
- 04Other planned purchases
Compare costs and conditions
Look beyond the advertised rate
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Open repayment estimatorComparison rate rather than headline rate alone
Total repayments across the proposed term
Establishment, monthly and late-payment fees
Extra-repayment and early-payout rules
Documents you may need
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Proof of identity
- 02Income and employment details
- 03A summary of regular commitments
- 04Information about the intended use
Common questions
About personal loans
What is the difference between secured and unsecured?
A secured loan is linked to an eligible asset. An unsecured loan is not, and may have different pricing and assessment rules.
Can I consolidate debts?
Some lenders may consider eligible consolidation requests. Compare the total cost and repayment term against your current debts before deciding.