Accessing your personal loan through Savvy can help you save hundreds throughout your term. We help you choose from a range of lenders across Australia who offer highly competitive interest rates, flexible repayment options and the freedom to choose your loan, your way. We do the leg work for you, saving you valuable time scouring the internet by presenting you with offers from top personal finance lenders.
Find your ideal personal loan today by comparing your options with Savvy and get approved within 24 hours.
|Harmoney Unsecured Personal Loan|
Borrow up to $50,000 with personalised rates and repay over 3 or 5 years loan terms.
|Symple Loans Personal Loan|
Earn up to 50,000 Qantas Points with a more rewarding personal loan from Symple
|SocietyOne Unsecured Personal Loan|
Borrow up to $50,000 with rates between 5.95% p.a. and 14.99% p.a. based on your credit rating.
Savvy provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading your lender’s PDS or offer documentation or seek independent advice. While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Savvy.
Personal loan product features and benefits
With rates as low as 5.35% p.a. (6.14% p.a. comparison), you can save hundreds, if not thousands, on your personal loan over your term.
You can borrow as little as $2,000 all the way up to $50,000, making your loan suitable for a wide range of purposes tailored to your needs
You’ll also have the option to dictate the cost of your repayments by selecting a loan term anywhere between one and seven years.
Once you submit your application, you can receive a response within just 60 seconds and have the money transferred to your account inside 24 hours.
We can match you with lenders who offer features such as flexible repayment schedules and no early repayment fees to enhance your finance experience.
Each applicant is given their own unique interest rate for their personal loan based on the loan they’re looking for and their profile as a borrower.
Why so many Australians find their personal loan with Savvy
Here’s how you can track down and secure the best personal finance deal with Savvy.
What you can use your personal loan for
Buying a car
Accessing a personal loan to purchase your next car saves you from worrying about whether it’s suitable to serve as security for your loan. Buy your next set of wheels with no restriction on age.
Multiple debts on the go at once? Applying for a personal loan to consolidate your debts brings them under one roof to ensure they’re manageable and potentially can save you on interest with credit debts.
Take a holiday
Everyone needs a holiday every now and then, but you may not be able to afford it. Fund your next adventure here or abroad with a personal loan and pay for your trip on your terms.
Funding your wedding
There are so many costs that go into a wedding, from venue hire to catering to dresses and suits. A personal loan can help make your dream wedding a reality, even if you can’t pay for it upfront.
Improving your home
Home improvements are desirable for all homeowners to keep their living space fresh and interesting. Get past the financial hurdle of renovations with a personal loan and repay it in smaller instalments.
Personal loans aren’t limited to PAYG employees. Self-employed workers can be approved for financing by submitting tax returns, or alternative documents, instead of payslips and utilise the funds however they wish.
Checklist before applying for your personal loan
Here’s what you’ll need to know about personal loans before you submit your application.
First and foremost, it’s crucial to find out whether you’re actually eligible for your personal loan. Fortunately, our lenders are flexible with their qualification criteria, which helps more Australians apply for financing.
Firstly, you’ll need to be at least 18 years of age to be eligible for your loan. Applicants must also be citizens of Australia or living here as a permanent resident. In terms of your employment, you must be working full-time or hold a permanent part-time position, earning at least $26,000 per year doing so.
In addition to having all of your required documents, you’ll also have to have a clean record with no defaults or bankruptcies. Both of these will remain present on your credit report for five years after being initially recorded, so it’s important to keep track of them. Once this time has passed and blemishes have been wiped from your file, however, you’ll be eligible to apply.