Compare Personal Loans in Australia

A personal loan can let you borrow more than a credit card and can be cheaper in the long term. An easy way to find a good deal is to compare your options.

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interest rate
comparison rate
You'll receive a fixed rate from 5.25% 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 30th April 2022 to secure a 0.20% p.a. discount for the full term of your loan. Borrow from $2,001 to $75,000 with 1 to 7-year loan terms available. This loan comes with no fees for extra repayments and no early exit fees. Offer may be varied or withdrawn at any time. Lending & eligibility criteria and T&Cs apply.
interest rate
comparison rate
You'll receive a fixed rate between 5.95% p.a. and 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: Apply and settle an unsecured personal loan of $30,000 or more to receive a $400 Westfield gift card. Ends on June 30 2022.
interest rate
comparison rate
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.

Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.
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
OurMoneyMarket Personal Loan

From 5.25% (fixed)
1 to 7 years
1.50% - 6% of loan amount. Minimum fee $250.
You'll receive a fixed rate from 5.25% 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 30th April 2022 to secure a 0.20% p.a. discount for the full term of your loan. Borrow from $2,001 to $75,000 with 1 to 7-year loan terms available. This loan comes with no fees for extra repayments and no early exit fees. Offer may be varied or withdrawn at any time. Lending & eligibility criteria and T&Cs apply.
NOW Finance No Fee Unsecured Personal Loan
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: Apply and settle an unsecured personal loan of $30,000 or more to receive a $400 Westfield gift card. Ends on June 30 2022.
Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

From 5.35% (fixed)
3 to 7 years
$575 ($275 for loans of below $5,000)
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.
Wisr Personal Loan
Wisr Personal Loan

From 5.95% (fixed)
3 to 7 years
You'll receive a fixed rate between 5.95% p.a. and 17.45% 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.
Alex Bank Personal Loan
Alex Bank Personal Loan

From 4.99% (fixed)
6 months to 5 years
You'll receive a fixed interest rate from 4.99% p.a. to 14.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years.
Latitude Personal Loan (Unsecured)
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
1 to 7 years
Loans under $5000 - $140
You'll receive a fixed rate between 7.99% p.a. and 25.99% 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.
Citi Personal Loan Plus
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. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Special offer: Monthly account service fee will be waived for applications submitted before 28 December 2022.
MoneyMe Personal Loans
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.
SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

From 6.45% (fixed)
2 to 5 years
from $0 to $595
You'll receive a fixed rate between 6.45% 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.

Compare up to 4 providers

A personal loan can give you access to extra money to pay for something bigger than your everyday purchases. It could be for a car, a wedding, a holiday or even some home renovations.

No matter your reason for taking out a personal loan, you'll want a loan that you can afford to pay back, with a competitive interest rate and a time frame that allows you to make the payments without falling behind.

Personal Loan Finder® can help you find the right personal loan for you.

What's the latest news on personal loans for April 2022?

If you're having difficulty staying on top of your repayments, most lenders have hardship measures in place to help you cope. You should contact your lender as soon as possible. If you're looking for financial support, the pandemic leave disaster payment is available. It provides financial support for workers who can't earn an income because they or someone they are caring for has to self-isolate or quarantine.

There is also a growing trend of lenders offering green loans to customers looking to make renewable energy upgrades to their home, with Plenti being the latest with their partnership with AGL.

Customers of AGL can now access interest-free finance up to $30,000 for renewable energy products. This includes residential solar batteries bundles and solar battery products. The offer is available from 1 February 2022.

AGL customers can also take part in AGL's virtual power plant, a "network of connected solar batteries where energy is stored to support the electricity system". They may receive a sign-on bonus or ongoing bill credits in return.

What is a personal loan?

A personal loan is a lump-sum payment or line of credit between $2,000 and $100,000 that you repay over a period of up to 7 years.

Personal loans are used for a variety of things, but generally, people tend to take them out for those one-off more expensive purchases like a car, paying for a wedding or doing renovations. However, a personal loan can be useful if you need to consolidate existing debt you have elsewhere, which can help you save on fees and multiple interest rates.

Like most loans, when you repay a personal loan, you are charged interest on top of the loan, which is a percentage of the original amount (often called "the principal" in bank speak) that you asked to borrow in the first place. The interest rate is set by the bank or institution that is doing the actual lending of the money to you.

Interest rates come in 2 forms: the standard interest rate (often called the advertised rate) and the comparison rate.

Borrow up to $70,000 and receive a tailored fixed interest rate from 5.35% p.a.

How do personal loans work?

Jump ahead to one of the steps in the personal loan process to find out more about it.

Step 1: Comparison

The first step is to choose the type of personal loan that you want.

What types of personal loans are there?

Secured loan

Secured personal loans

Secured loans require you to offer an asset, such as a car, as security in exchange for fewer fees and a lower interest rate. Secured loans are often used by people who are looking to buy a car, but other assets such as property, term deposits or high-value items can be used too. Secured loans can also often be secured against the item you are buying.

unsecured loan

Unsecured personal loans

Unsecured loans don't require you to put up an asset as security. They can be used when you want to borrow money to pay for general purchases, such as a wedding or a holiday, but are unable or unwilling to offer collateral.

Car loan blue

Car loans

A car loan is a secured loan, secured against the vehicle you are purchasing. You can get a car loan through a bank, a private lender or the car dealer you are buying your car from.

Torn credit card with money

Bad credit loans

If you have bad credit but are in need of a loan, there are still options available to you. Either apply with a lender who doesn't perform a credit check or who accepts applicants with negative listings on their file. However, if you are struggling with your finances and your credit history, there are other options to consider before taking out a loan. If you're struggling financially and would like to speak to someone for free financial advice, you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday).

Multiple debts into one

Debt consolidation loans

A debt consolidation loan rolls your debt into a single loan. This makes it easier for you to manage the repayments, and also can be a money saver if the new loan has a lower interest rate or lower fees than the rest of your debt.

Line of credit

Line of Credit

You'll get access to a set credit limit, but you'll only pay interest on the funds you use. This can generally be used for most types of purchases, and even debt consolidation.

Overdraft bank to phone


An overdraft is a lot like an unsecured loan, but it is usually attached to your everyday bank account. You're given a set amount of credit that you can withdraw from your account once your own funds have been exhausted.

What should I look for when comparing personal loans?

Loans come in different shapes and sizes for different needs and situations, here's what you should be looking at:

  • Loan amount. What are the minimum and maximum amounts the lender will let you apply for and is it enough?
  • Loan term. What are the minimum and maximum loan terms? Usually, terms of between 1 and 7 years are available, but terms differ between providers.
  • Fees. Check for upfront fees such as establishment or application fees and ongoing fees such as monthly or annual fees. These will need to be incorporated into your loan amount.
  • Interest rate. Is the rate fixed or variable? Is the rate competitive?
  • Affordability. Once you know your loan amount and term, you can use a loan repayment calculator to see if your regular repayments will be affordable on your budget.
  • Repayments. Can you choose between weekly, fortnightly or monthly repayments? Is it possible to make extra repayments without penalty? Can you repay the loan early without penalty?
  • Features. Some features, like a redraw facility, can save you money over your loan term, while others - such as a well made app - can be great quality of life considerations.

Step 2: Eligibility

Lenders have set eligibility criteria for their personal loans. These can include any of the following:

  • Age. You will need to be at least 18 years old to apply for a loan for Australia. Some lenders may require you to be over 21.
  • Income. You may need to earn over a certain amount to be eligible to apply for a loan. Some lenders may require that you earn as much as $35,000. Other lenders may require lower earnings, such as $24,000. If you're unsure whether your income is high enough, there are loans specifically designed for people on lower incomes.
  • Employment. Most lenders will require you to be employed, but some will consider unemployed applicants. Some lenders will also require you to be out of your probation period or to be employed full time. You can find lenders that consider casual employees here. Some lenders may also consider applicants receiving Centrelink payments.
  • Residency. You may have to be an Australian citizen or permanent resident to be eligible for a personal loan, although some lenders offer personal loans for temporary residents.

However, even if you meet the minimum requirements for a loan, you will not be approved unless you can prove that you can afford the repayments. Lenders determine this by looking at your income, your debts and the stability of your employment.

Step 3: Application

The application process for a personal loan differs between lenders. Generally, you will have the option of applying online, in-branch (if the lender has branches) or over the phone. You can find a list of the documents and information required to complete the personal loan application on Finder's individual lender review pages or on the lender's website. You may be asked to provide any of the following:

  • ID. You will need to provide your driver's licence, passport or a form of photo ID.
  • Proof of income. Depending on the lender, you'll need 3 to 6 months of payslips and bank statements or 2 years of tax returns if you're self-employed. If you receive Centrelink payments, you will need receipts to show your income.
  • Other financial documents. If you have other debts, such as loans or credit cards, you will need statements from those accounts.

Online applications usually take about 15 minutes to complete.

Step 4: Approval

Some lenders can give you an answer instantly while others may take a few days or weeks to approve you. There are 2 forms of approval: full approval and conditional approval.

Conditional approval usually takes less time but is given pending more information from you. This includes information such as additional payslips or documents relating to your assets or debts. Lenders may also ask for this information and not offer any conditional approval. This is to help them make a more informed lending decision.

Full approval is given when you have supplied sufficient information for the lender to make a decision and the lender has approved you for the loan.

Step 5: Loan funding

Your loan can be funded in a number of ways, depending on the type of loan it is and what you're using it for. For example, when you take out a car loan, the lender may pay the car seller directly. This is also often the case with a debt consolidation loan, as lenders may opt to direct funds to your debtors rather than to you.

If the loan is an unsecured personal loan, the funds will be sent to an account that you nominate. Some lenders can transfer funds on the same day you apply, while others might take a few days following approval.

Step 6: Repayment

Most lenders will allow you to choose your repayment structure – either weekly, fortnightly or monthly. Generally, the more often you repay your loan, the less interest you will pay over the life of the loan. Therefore, when choosing your repayment structure, you may want to consider additional and early repayments.

Step 7: Loan closure

If you are making your repayments as set out in your loan contract, then your loan should be closed following your final repayment. However, if you are planning to repay your loan early, it's a good idea to call the lender and get a final payout figure if you're getting close to paying off your loan. This is to ensure that the loan will be closed when you make your final payment and you won't be charged any unexpected interest.

Finding the right personal loan

It might sound a bit obvious, but you need to make sure that the personal loan you choose suits your finances and your ability to pay the loan back. After all, you don't want to pay more money than you need or impact your credit score by taking on a loan you cannot realistically pay back in the time allocated. To figure this out, we'll explain how personal loans work and the types of loans available so choosing one should be a snap.

Why is there an interest rate AND a comparison rate?

While the interest rate is usually the magic number that grabs the headlines when looking at a loan, it's actually the comparison rate that is a much more useful number to look for, and it's the one that will give you the best information about what you can expect to pay.

So what's so special about the comparison rate and how does it differ to the interest rate? The big difference is that the comparison rate includes all the other costs that come with the loan. It includes the interest rate plus any fees.

Imagine you are looking at an interest rate of 12.45% – this sounds good to you until you then take a look at the loan's comparison rate, which is 14.52%. Why the difference? Because this particular loan comes with additional fees. On the other hand, if you see a loan with an interest rate of 10.13% p.a. and the comparison rate is also 10.13%, then you'll know there are no extra fees and charges that will be added on top of the interest rate.

Comparison rates may be calculated differently depending on the loan. However, if they are provided, it needs to be disclosed how they are calculated. For example, it may be calculated on a personal loan of $30,000 over 5 years.

How do I find out the comparison rate?

A comparison rate must be displayed alongside the interest rate by all lenders. If you're looking at the Finder comparison tables, you will be able to see a column labelled "comparison rate" for each loan. By scrolling over this rate, you can see how it's calculated.

Quick tip: different loan amounts and loan terms can result in different comparison rates.

Should I still check the interest rate?

Absolutely! Interest rates are still an important part of your personal loan. For example, your outstanding balance will be charged interest calculated using the interest rate, not the comparison rate. It's vital that you know what the rate is and whether it's competitive. While comparison rates are there to give you a comprehensive overall idea of what you are in for financially with the loan, the interest rate is what you will be charged during your loan term (minus fees of course).

It's worth mentioning that the interest rate a lender advertises can be different from the interest rate you actually end up paying. During the application process, lenders will factor in things like your credit score, the amount you're borrowing, any existing debts you might have plus how much you earn when deciding your rate.

Read our guide to learn more about how your interest rate is determined

Are personal loans a bad idea?

In Australia, we have a lot of consumer protection to prevent people from taking on debt they can't afford to repay. A personal loan can help you access money that could take you years to save up without one, and are relatively safe as long as you can safely meet your repayments. Keep in mind that there is still always the risk of your financial situation changing, or getting into trouble by spending too much money. If this happens, there are are resources to help you out such as the National Debt Hotline, which you can contact on 1800 007 007.

How do lenders determine your personalised interest rate for a personal loan?

Banks and lenders that offer risk-based pricing determine your interest rate in a number of ways. They may consider the following:

  • The loan amount that you request. The lower the loan amount, the lower the risk for the lender as they will lose less money if you fail to repay the loan.
  • How long you need to pay the loan back. Your loan term can help indicate your risk factor because it shows how much you can afford to pay. If you need 7 years to pay off a $10,000 loan, then you are a higher risk than someone who can afford to pay off the same loan in 1 year. Make sure you work out your ongoing loan payments and choose the shortest loan term that you can comfortably afford.
  • Your credit score and credit history. Comprehensive credit reporting means that more information (including 2 years of your repayment history) is now available to view on your credit report and there are now more factors that will affect your credit score. Banks and lenders can now use your credit report and score to get a better idea of your full history as a borrower, both positive and negative.
  • Your financial history. Your income, employment situation, address, age and other factors are also used to determine your risk. For example, a 21-year-old who has been employed casually for 6 months is more of a risk than a 30-year-old who has been employed full-time at the same job for 5 years. This is not only because they have a more stable employment situation, but also because it's likely that the 30-year-old has a fuller financial history that the lender can use to make a decision.

How do I choose a personal loan?

How to choose a personal loan

Image Map

What are the biggest mistakes people make when choosing a personal loan?

Image of financial expert Anna Serio
Anna Serio is a trusted lending expert and certified commercial loan officer who has published more than 1,000 articles on Finder to help our readers strengthen their financial literacy.

"One of the biggest mistakes people make is assuming the lowest available rates are the rates they will get. In many cases, the lowest rates are only available on specific loan amounts and terms. That's why it's helpful to prequalify with a few lenders to get an idea of the kinds of rates and terms you're eligible for."

What makes a loan competitive?

If you plan to take out a loan, you want to know you've taken out the best one available for you. So what should you look for?

  • A competitive interest rate?

    Personal loans come with 2 types of interest rates: fixed or variable. Fixed interest rates on personal loans remain the same throughout the specified term, which may be for the entire loan term or for an introductory period. If you opt for a variable rate personal loan, you will receive the advertised rate, but this rate may change throughout the loan term depending on interest rate movements in the market. So make sure you are comparing apples with apples across similar loans to make sure you're getting the best deal. If the loan is risk-based, you'll receive a rate based on your credit history and your general risk profile.

  • What are the fees and charges?

    You'll need to consider both ongoing fees and the fees that are charged when your loan starts. Common fees include an application fee, exit fee or loan set-up fee, while monthly fees and annual fees are common ongoing fees. You might also be charged to use additional features of the loan so check out those too or ask the lender before you go ahead. A great idea is to keep an eye out to see if you're eligible for cost savings such as fee waivers that can help reduce the cost of the loan.

  • Is the loan flexible?

    How often are you able to make repayments? Are you able to make additional repayments or pay off the loan early without penalty? Is there a redraw facility if you do make early repayments? Some loans are inflexible in their terms and how repayments are made, so if you need that flex, check whether it's possible with the loan you are interested in.

  • Is the repayment time realistic?

    Personal loans are usually offered for terms of between 1 and 7 years, with other loans on offer for shorter time periods. Some lenders are more restrictive than others when it comes to how long you have to repay your loan – for instance, only offering terms of 1, 3 or 5 years. Make sure the loan terms on offer are what you need. Long term loans over 7 years might offer lower repayments, but you'll be paying more interest over that period of time.

What will my monthly repayments be on my new personal loan?

To get an estimate of your borrowing power, you can put your loan amounts into the personal loan calculator in the comparison tables above and you'll see what your monthly repayments will approximately be.

Tip: This also can be a good time to see how the repayments will fit into your budget plus help you determine if you can afford to make extra repayments to pay off the debt faster.

Who is eligible for a personal loan?

Eligibility for personal loans depends on a few different things:

  • If you have a low income. Applicants with low incomes can still be approved for low-income personal loans. It's always a good idea to check the borrowing requirements and check your repayments with a calculator.
  • If you're a pensioner. Applicants who are currently receiving pension payments have the option of getting a personal loan for pensioners.
  • If you receive Centrelink payments. If you're receiving Centrelink payments or other benefits, you may still be eligible for a loan for people on Centrelink payments. However, it's important to make sure you can meet the repayments before applying.
  • If you have bad credit. You're still able to apply for certain personal loans if you have negative marks on your credit file. You might end up paying a higher interest rate on these loans, so it's important to compare a range of bad credit personal loan offers before applying.
  • If you have existing credit card or personal loan debt. You may still be approved for a new personal loan if this is the case, but you should calculate your repayments and your debt levels before continuing.
  • If you don't meet the minimum requirements. You still might be able to apply with a guarantor. This is where someone, usually a family member, agrees to guarantee your personal loan should you fail to meet your obligations.

What documents will I need when applying for a loan?

Each lender has its own criteria that you will have to meet to finalise your loan application.

How to apply for a personal loan

💵 Work out how much you need to borrow.

🔓 Choose a secured or unsecured loan.

📅 Decide between a fixed or variable rate.

📝 Choose your terms.

🔎 Start your personal loan research and comparison.

📱 Click through and apply.

How can I improve my chances of the loan being approved?

There is no way to guarantee you're approved for a loan, but giving yourself the best chance at being approved starts with meeting the eligibility criteria set by the lender. Here are some top tips.

  • Work out your borrowing capacity. Be realistic. What repayments can you afford? Lenders will use a variety of criteria to decide how much you're eligible to borrow, but you really need to be realistic about what you can afford to repay.
  • Maintain a good credit score or start to build one. Make sure you keep track of all your payments because any arrears, debts or missed payments can bring your credit score down. The lower your score, the less likely you will be approved for a loan. If you already have a poor credit score, you can start improving it by limiting credit applications, paying bills on time and bringing down any limits on your credit card. It can take a while, but these are all good tactics to improve that credit score.
  • Keep track of your saving goals. If you manage to contribute to your savings regularly, it shows lenders that you are likely to manage ongoing loan repayments.

Read our guide on common loan rejection reasons and how to get around them

Personal loans vs credit cards: What's the right product for you?

Personal loans

ProsConsSuitable for
  • Lower interest rates than credit cards
  • Repayment schedule means your debt comes with an end date
  • Cheaper in the long term
  • Not tempted to spend
  • Minimum loan term means that you'll carry the debt for more than a year
  • Can be inflexible (may charge for redraw options or not offer early repayments)
  • Can take longer to apply for
  • Large one-off purchases of more than approximately $5,000, such as renovations, holidays and cars
  • Large debt consolidations
  • Borrowing over a long period of time

Credit cards

ProsConsSuitable for
  • Immediate spending
  • Can come with rewards
  • Great option if you need a constant cash flow
  • Balance transfer for debt consolidation
  • Interest-free days
  • Usually carry higher interest rates than personal loans
  • Only require a minimum repayment for each statement period, which means your debt can build up quickly
  • Balance transfer rate reverts to the cash advance rate
  • Smaller purchases less than approximately $5,000
  • 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

Frequently asked questions about personal loans

Still have questions? We've done our best to answer the most common questions people have when taking out a personal loan.

Read more on this topic

Personal Loan Offers

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

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

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

You'll receive a fixed rate of 8.99% 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
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% 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.

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92 Responses

    Default Gravatar
    GuoFebruary 28, 2019

    I am currently in the divorce process and about to start the parenting order and property settlement on court. However, my wife controlled all our property including money, car, house and businesses, and she made up a story to successfully applied an interventional order against me, kicked me out of home and refused to provide anything even just for basic living requirements.

    The total assets need settlement worth about $2 million dollars, my lawyer Mr Byron Leong from Lander & Rogers Lawyers estimated that my legal cost would be around $40k, Mr Leong was also very confident that in the least favorable scenario I will get 30%, which is about $600k in the settlement. However, I was prevented to access any funding by my wife, and therefore I wanted to apply for a loan to cover my legal cost and living expenses during the legal process, roughly $50k, which is way less than the amount that I can get from the property settlement.

    In order to make my application competitive, my lawyer can provide his professional opinion on my case, his senior background and the firm’s outstanding reputation is persuasive, along with my agreement to repay the loan before I can get any money after the settlement. Moreover, my first concern is the custody of my daughter rather than property, therefore I can accept relatively high interest and any other reasonable cost, any of your help will be very appreciated.

      Default Gravatar
      NikkiMarch 1, 2019

      Hi Guo,

      Thanks for getting touch! I’m sorry to hear about your situation. I understand that you are in a difficult place right now. It’s helpful to know that Finder doesn’t make assessments and only the providers on the page (when contacted) can proceed with your application. Please see above the available providers listed. As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    Default Gravatar
    ShelleyJanuary 7, 2019

    My husband and I are in our late 50’s we want to borrow $30k to consolidate some loans and to get some work done to our car and house. Do you think our age will prevent us from getting a loan? We don’t intend to retire for another 5 years.

      Avatarfinder Customer Care
      JohnJanuary 7, 2019Staff

      Hi Shelley,

      Thank you for reaching out to finder.

      There is no maximum age for taking out a personal loan. But you may want to consider how to improve your chances of the loan being approved.

      Establish your borrowing capacity. What repayments can you afford? Lenders will use a variety of criteria to decide how much you’re eligible to borrow, but you need to know how much you can afford to repay.
      Building a good banking history. Keep your account in good standing to build a positive relationship with your bank, even if you don’t plan on borrowing from them.
      Keep your credit rating in good standing. Make sure you keep track of all your payments, from credit cards to utility bills, because any arrears, debts, or missed payments will affect your ability to access credit.
      Keep track of your saving goals. If you manage to contribute to your savings regularly, it shows lenders that you are likely to manage ongoing loan repayments.

      Hope this helps!


    Default Gravatar
    ElikaOctober 2, 2018

    Help me get cash fast??

      Avatarfinder Customer Care
      JohnOctober 2, 2018Staff

      Hi Elika,

      Thank you for leaving a question.

      I understand your situation in needing cash fast. You are on the correct page to make a selection on where you could apply for a personal loan. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’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. Hope this helps!


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    MartinSeptember 1, 2018

    If I apply for a personal loan and it is declined does this affect my credit rating?

      Avatarfinder Customer Care
      JeniSeptember 1, 2018Staff

      Hi Martin,

      Thank you for getting in touch with Finder.

      Declined application will not affect your credit rating. However, every time you make an application for credit it’s listed on your credit file as a “credit enquiry”. It will be listed regardless of whether the application is approved or not.

      You can learn more about credit enquiries. On the page, you’d learn how long do credit enquiries remain on your credit file, how do credit enquiries look like on your credit report and other related pages on credit file/report.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


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    MarieJune 12, 2018

    please a friend of mine introduced me to this lender jacksonbenloanfirm@outlook .com and i tried them and got a loan of 45,000$ but i still need more for a project am working on i don’t know if it right to ask them for more?

      Default Gravatar
      NikkiJune 12, 2018

      Hi Marie,

      Thanks for leaving a question on our page.

      Please know that we’re a product comparison website and we don’t stand as a representation to any individual or any company featured on our site.
      You can browse through the personal loan options we have above.

      If you need to increase your loan amount, all you need to do is ask them to give you an increase in your loan amount. Goodluck!

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


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