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 →Personal · A CLEARER STARTING POINT
Unsecured Personal Loan
Bring your plans into focus with personal finance that does not require an asset as security.
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
- Personal purchases and plans without offering an asset as security.
- How it works
- An agreed loan amount is repaid with interest and any fees over the loan term.
- Security to understand
- No asset is offered as security, but the debt must still be repaid and recovery action can follow missed payments.
- 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
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
You have a planned purchase and want to understand repayments before committing.
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
Unsecured does not mean obligation-free. Check the full cost and repayment conditions.
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
A realistic purchase budget and your preferred amount.
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 does the comparison rate help me understand?
It combines the interest rate and certain fees for a stated loan amount and term. Compare equivalent examples, then review your own proposed fees and total repayments. A headline comparison rate is not a personalised quote.
Do I need an asset as security?
An unsecured personal loan does not use an asset as security. You still need to repay the debt, and a finance provider can take recovery action if repayments are missed.
What should I prepare for the first conversation?
Have your borrowing goal, approximate amount, income and regular commitments in mind. The team will explain which supporting documents are needed.
Can I repay the loan early?
You can generally repay your loan early. The terms and any early payout fees vary by finance provider and product. We will help you check these before you proceed.
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 →