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 →Specialty · A CLEARER STARTING POINT
Low Credit Score Loan
Understand your credit-history questions and borrowing needs before deciding on another application.
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 your goal and the questions you want answered. We can discuss the process, relevant information and any service scope or fees before you decide to proceed.
- Purpose
- Discussing a borrowing goal where credit history needs explanation.
- How it works
- Start with the circumstances, current commitments and information available for review.
- 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
Start with the purpose and the information available.
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 →Business-purpose funding
Discuss business purchases and cash flow through the business finance pathway.
Keep in mind: The intended use matters; an ABN alone does not decide the structure.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You are unsure whether an entry on your report is correct and want to understand it before making another application.
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
A discussion is not a credit assessment result. Accurate negative information cannot simply be removed.
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
The borrowing purpose and amount, a short explanation of relevant entries and any correspondence.
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.
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.
Can I enquire if my credit history has some difficulties?
Yes. Explain your current circumstances and the entries you are concerned about. A conversation does not guarantee eligibility or approval.
What helps you understand my situation?
A short explanation of what happened, whether the issue is resolved, and your current income and commitments helps us identify what needs review.
Will an enquiry improve my credit score?
No score improvement is promised. Ask the team what checks are proposed and when consent is needed before proceeding with a finance application.
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 →