Loans Comparison – you need money, they have money

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Richard Whitten

What are you taking out a loan for?

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Personal Loans

Unsecured Personal Loans

Consolidate debt, make a large purchase or finance anything else you want. Compare lenders and see what options are available.

Unsecured Personal Loans

Secured Personal Loans

Use your vehicle as security to get a lower rate on a personal loan. You can then use the funds for whatever you choose.

Secured Personal Loans

Lines of Credit

Enjoy no set term on a convenient ongoing line of credit. You can draw up to your set limit as and when you need.

Lines of Credit
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Vehicle Financing

Car Loans

New, used and older car loans are available from a range of lenders. Get a competitive rate by using your new car as a guarantee.

Car Loans

Used Car Loans

Looking to snap up a used car bargain? Find out which lenders will let you use your used car as security and compare rates today.

Used Car Loans

Motorcycle Loans

While motorcycles can be costly, the right financing can help spread the cost into manageable installments.

Motorcycle Loans
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Bad Credit, Short Term and Self-Employed Loans

Short-term loans

Also known as payday loans or cash advances, these loans are short-term solutions to cash shortfalls.

Short-term loans

Bad credit loans

Similar to short-term loans but for larger amounts, these can be applied for by people with bad credit.

Bad credit loans

Self-employed Loans

If you are self-employed it can be a bit tricky to get a personal loan, but there are still options available to you. Find out what those options are and how to ahev the best chance of being approved.

Self-employed Loans
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Latest news in lending

Learn more about personal loans

How to consolidate your debt

Want to get a better handle on your debt? Find out what options you have to consolidate and get back in control.

How to consolidate your debt

Peer-to-Peer Lending

Find out how you can get a personalised rate with this innovative new type of lender.

Peer-to-Peer Lending

Personal Loan Calculators

Work out how much you could borrow and whether you will be able to afford the repayments on your next personal loan.

Personal Loan Calculators
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More loan types you can compare

Loans for your wedding

A wedding loan is an innovative type of loan that allows you to fund different aspects of your wedding. Weddings can cost in upwards of $50,000, so having a personal loan to help finance some or all of your special day can come in handy. These type of loans usually come in the form of an unsecured personal loan or line of credit.

How to use a boat loan

If you’re looking to purchase a boat you can secure financing through a boat loan. These loans work similarly to car loans in that you can choose to attach your newly-purchased boat as a guarantee to enjoy lower rates, or you can take out an unsecured personal loan so its less of a risk on your part.

Loans for cosmetic surgery

Cosmetic surgery is becoming more commonplace these days, but it is still an expensive endeavour for the majority of people. Cosmetic surgery loans are usually unsecured personal loans or specially-designed loans from medical lenders. You can use the loan amount to finance the surgery, plane tickets to and from your hospital destination, or to help tide you over while you are in recovery.

Pay for your next holiday away

Holiday loans are another financing option you have available to you. If you find your savings insufficient to fund your next holiday, you can look at a holiday loan to purchase your ticket, book your hotel, or even just have some extra spending money. Holiday loans are available as fixed or variable rate loans, with some offering repayment terms of up to seven years.

Get a loan for a jetski

If you’ve ever dreamed of getting a jet ski, you probably weren’t dreaming about the price tag. Jet skis can cost anywhere between $10,000 and $15,000, so some people choose to take out a jet ski loan to help them make their purchase. Jet ski loans are, again, similar to car loans and can be in secured or unsecured, fixed or variable, all depending on your preferences and needs.

What is dealer finance?

This is a type of loan that is offered directly through the car dealership where you purchase your vehicle. You may find the interest on these loans to be higher or lower than other personal or car loans depending on the residual balloon payment you’ll be paying at the end of the term.

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Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 554 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips

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38 Responses

    Default Gravatar
    CharmainMay 12, 2024

    I work 15 hrs a week and receive Newstart as well,my credit rating says I have good credit yet I keep getting declined with no explanation,is there any loan place I can try to get help with renovations, and to pay off a small payday loan thanks

      AvatarFinder
      SarahMay 13, 2024Finder

      Hi Charmain,

      You may be eligible for up to $3,000 in a no-interest loan through GoodShep: learn more here.

      It’s also a good idea to get a copy of your credit score – you can download the Finder app and get an update on your credit score every week, so you can track any changes.

      Hope this helps as a place to start!

    Default Gravatar
    StephJuly 6, 2017

    Hey, I have a couple defaults as I missed a payment and then it gets hard to catch up. I want to catch up, maybe debt consolidation is a possibility? Also, if I can get approved for a debt consolidation loan am I able to get a little loan on top of that to help me get on my two feet again with one easy payment.

      Default Gravatar
      LiezlJuly 6, 2017

      Hi Steph,

      Thanks for reaching out.

      Yes, debt consolidation might help you keep abreast with your loan payments but that will entirely depend on your financial situation. You may check and compare your debt consolidation loan options to ensure you make a better and informed decision. As for getting a loan on top of the debt consolidation, that would entirely depend on the lender as to how much you can borrow. They will most likely base it on your ability to pay off the loan and your overall financial position.

      Moreover, please read more about the important steps to take to get of debt. You may also reach out to various institutions for free financial management advice.

      Just a friendly note, please make sure to check the lender’s eligibility criteria before you submit your application, as rejected loan applications can have a negative impact on your credit score.

      I hope this has helped.

      Kind regards,
      Liezl

    Default Gravatar
    StacyDecember 15, 2016

    I need a loan for about $100,000 I make 25,000 a month I bought a new car because my friend totaled my other one instead of waiting for A loan to be approved first my mother-in-law paid cash for it now I need to pay her back. How do I go about getting a loan like this

      AvatarFinder
      DeeDecember 15, 2016Finder

      Hi Stacy,

      Thanks for your question.

      You may want to check your personal loan options featured on our website. Please do note that most unsecured loans have a maximum limit of up to $50,000 while the secured loans may allow you to borrow more than $50K.

      You can use the loan calculator on the page to see which loan product can give you low monthly repayments. To check the requirements and eligibility criteria to apply for a particular loan, just click on its name so you’ll be redirected to its review page.

      Cheers,
      Anndy

    Default Gravatar
    ramSeptember 23, 2016

    I have existing personal loan, I need to borrow another 10k what will I do?

      AvatarFinder
      ElizabethSeptember 23, 2016Finder

      Hi Ram,

      You have the option of getting in contact with your current lender and asking for a “loan top-up”. Keep in mind this involves applying for another loan and repaying your existing loan with the approved funds. You can also apply for an unsecured loan with another lender and consolidating your debt into one account.

      I hope this helps,

      Elizabeth

    Default Gravatar
    relmaJuly 25, 2016

    I’m working withCommunity Home Support Program involving age care and I want to get myself a car. I earn over $1300 and have a permanent position. Can you help me

      AvatarFinder
      ElizabethJuly 29, 2016Finder

      Hi Relma,

      I can’t recommend a specific lender as it depends more on your specific financial situation (your assets, debts, credit history, etc.). You can compare your car loan options through our website. If you want to find out some more information on any lenders, you can click through to the review pages by selecting the name of the lender. If you find a lender you want to apply with, you can select the “Go to Site” to submit your application.

      I hope this helps,

      Elizabeth

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