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A personal loan, sorted properly.

Debt consolidation, a wedding, a renovation, or just breathing room, we compare personal loan options across our panel so you are not stuck with the first rate a bank offers you.

Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.

Get StartedCall 0426 299 702
Personal Loans

One application, a real comparison.

Going direct to your own bank for a personal loan means seeing one lender's offer. We compare across a panel, so the rate and structure you land on actually reflects your circumstances, not just whichever lender you happened to walk into.

Personal loans suit a wide range of purposes: consolidating higher-interest debt into one repayment, funding a renovation that does not need a home loan top-up, covering a major purchase, or managing a one-off expense. The right term and structure depend on your circumstances. Consolidating debts over a longer term can increase total interest, even if monthly repayments fall.

We will talk through your situation, compare suitable options from the panel, and explain the real cost of each, not just the headline rate, before you commit to anything.

Why it works

Why compare through us

Panel Comparison

We compare personal loan options across our lender panel rather than a single bank, so you can see how your rate stacks up against the wider market.

Plain-English Advice

We explain comparison rates, fees, and total repayment cost in plain terms, so you know exactly what a loan costs before you sign anything.

Application Support

We help prepare your documents and follow up with the lender. Approval and timing depend on the lender’s assessment.

Run the numbers

Personal loan calculator

Estimate repayments based on a loan amount, rate, and term.

Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.

Monthly repayment
$629 /mo
Weekly equivalent
$145 /wk
Total interest over term
$7,751

Estimates only, based on principal-and-interest repayments and do not include establishment or ongoing fees. Your actual rate and repayments depend on the lender and your circumstances. This is a hypothetical estimate, not a lender quote or comparison rate.

Common questions

Personal Loans FAQs

What can a personal loan be used for?
Most lenders on our panel allow personal loans for debt consolidation, renovations, major purchases, medical expenses, weddings, or general personal use. Some lenders restrict certain purposes, so we will confirm what suits your situation.
What interest rate will I get?
Your rate depends on the lender and your credit history, income and commitments. We explain the interest rate, comparison rate and fees for suitable options before you decide.
What is a comparison rate and why does it matter?
The comparison rate includes most fees and charges in a single percentage figure, so you can compare the true cost of loans with different fee structures, not just the advertised interest rate. It does not include every possible cost or compare loan features. Different terms, fees and loan amounts can change the comparison rate.
How long can I take a personal loan over?
Terms typically range from 1 to 7 years. A shorter term means higher repayments but less total interest, a longer term lowers repayments but costs more overall. We will help you weigh that against your cash flow.
Will applying affect my credit score?
A formal application involves a credit check, which can have a small, temporary impact. We will only progress an application once we are confident it suits your situation, rather than applying broadly across multiple lenders.

Ready to compare your options?

Send an enquiry with what you need the loan for and we will come back with suitable options, once we have the information needed to assess your circumstances.

Get StartedCall 0426 299 702
Get in touch

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Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy policy. Daniel Toukan, Credit Representative Number 577748, is authorised under Australian Credit Licence 384324 held by Outsource Financial Pty Ltd.

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