Purpose and amount
A defined purchase or project budget helps prevent borrowing more than the intended use requires.
Consumer finance
Personal loans matched to your purpose
Discuss your purpose, preferred repayment window and budget with a broker before choosing a personal loan structure.
- 40+ lender panel
- Australia-wide
- Enquiry first — no application lodged
Understanding personal loans
Personal loans may be secured or unsecured and can vary widely in fees, flexibility and eligibility. A broker can help you frame the request and compare available options without presenting a generic rate as though it applies to everyone.
Finance is subject to lender assessment, eligibility and terms. Rates and fees vary. Information here is educational and not financial, tax or legal advice.
Broker contactKevin Safary
Published businessRateSmart Finance Pty Ltd
ABN 71 665 085 058
Licence referencesACL 546549
ACR 546466
Decision support
Start with purpose, structure and total cost
The useful comparison is not simply the lowest advertised rate. It is the structure that suits the purpose while keeping repayments and total cost understandable.
Secured or unsecured
Linking an eligible asset may change pricing and conditions; unsecured options use a different assessment and risk profile.
Repayment window
The term changes both the regular repayment and the total interest paid over the life of the loan.
Current commitments
Existing repayments and regular expenses form part of the lender's affordability assessment.
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Built around the asset or purpose.
- 01Home improvements
- 02Major purchases
- 03Eligible debt consolidation
- 04Planned personal expenses
Compare the complete offer
Look beyond the advertised rate.
Ask for the repayment, fees, conditions and end position to be explained together. An estimate is useful, but it is not a lender quote or approval.
Open repayment estimatorComparison rate rather than headline rate alone
Total repayments across the proposed term
Establishment, monthly and late-payment fees
Extra-repayment and early-payout rules
What may be requested later
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Proof of identity
- 02Income and employment details
- 03A summary of regular commitments
- 04Information about the intended use
Questions, answered plainly
Before you start.
What is the difference between secured and unsecured?
A secured loan is linked to an eligible asset. An unsecured loan is not, and may have different pricing and assessment rules.
Can I consolidate debts?
Some lenders may consider eligible consolidation requests. A broker can discuss the purpose, but consolidation should be assessed against total cost and your circumstances.
Does asking for a quote guarantee approval?
No. A quote request starts a broker conversation. Approval, pricing and conditions depend on lender assessment and your circumstances.
