Unsecured personal loan
Borrow without using an asset as security.
Keep in mind: Repayment obligations remain. Compare fees, interest and the full cost.
Explore this option →Personal · A CLEARER STARTING POINT
Education Loan
Explore funding for study costs after checking the course fees, payment options and refund terms.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Start with what you want to achieve, the amount you have in mind and your household budget. Our team can review the details and discuss possible pathways with you.
- Purpose
- Reviewing course fees and related education expenses.
- How it works
- Discuss the amount and payment dates after checking the education provider’s payment options.
- Security to understand
- Secured and unsecured structures differ. Any proposed security must be explained before you agree.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Understand the structure, not just the repayment.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Secured personal loan
An accepted asset supports the loan.
Keep in mind: The asset may be sold if repayments are not met. A lower total cost is not guaranteed.
Explore this option →Debt consolidation
Replace selected debts with a new loan, if approved.
Keep in mind: A smaller repayment over a longer term can cost more overall.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
A course has upcoming fee instalments and you want to understand your payment options before enrolling.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Compare any available government or provider payment arrangements and their terms separately.
ASIC Moneysmart: personal loans ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
Course information, fee schedule, start date and refund terms.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
Self-employed consumer finance: accountant’s letter option
Self-employed and applying for a car for personal use, a personal loan or another eligible consumer purpose? If your last two years of tax returns are not yet complete, an accountant’s letter may be accepted as the income document for eligible finance options.
Ask our team about an accountant-letter-only income verification option. Identification and other standard application information may still be required. Availability is subject to product criteria, assessment and approval.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
What should I prepare for education expenses?
Bring course fees, enrolment dates and other costs you want reviewed. An estimate is enough to begin the conversation; final requirements will be confirmed.
Can I ask before enrolling?
Yes. Bring the course details and estimated costs. Confirm the finance terms and the provider’s refund rules before making commitments.
How do I choose a comfortable repayment?
Start with income after tax, essential expenses and existing commitments. Leave room for changes in your budget rather than relying only on the calculator estimate.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →