Personal Loans with Easy Approvals

Yes – we can connect you with lenders who offer personal loans without any fees associated with making additional contributions and completing your loan repayments ahead of schedule. The key benefit to paying out your personal loan at a faster rate is that you can significantly cut down on the interest and fees paid overall. This is because interest is calculated based on your loan amount remaining at any given time, meaning that it’ll decrease more sharply with your repayments. Check that your lender doesn’t charge any fees for doing so in the comparison process. 

Your loan’s interest rate is shaped by several different factors, which will all additionally play a role in the ease of approval for your application. Your credit rating and income are the two biggest influences here, as the level of risk you pose as a customer is shaped by your past record servicing debt and how comfortable you are in repaying your instalments each month. The stability of your employment also plays a role, while the type of interest you choose (fixed or variable) will also affect your rate.

Yes – despite taking slightly longer to process than unsecured loans, opting for secured financing can often boost your chances of approval. This is because you’re adding an asset as collateral, giving your lender a measure to fall back on in the unlikely event that you become unable to complete your loan repayments. As such, you’re usually able to borrow more at a lower rate.

Yes – we’re partnered with flexible financiers who can consider applicants looking for bad credit loans. These loans come at a maximum of $12,000 up to terms of two to three years, with higher interest rates and fees enforced. However, they’re the same aside from these factors, serving as a fast and easy finance solution to be used in just about any way you like.

In most cases, yes – adding a second income to your loan’s repayments can often instil greater confidence in your lender that it can be more comfortably repaid. This is because the overall disposable income is increased, decreasing the percentage that your loan’s repayments take up overall. Because of this, you can often increase your borrowing power by applying with your partner, which is particularly useful if you’re looking to take on a shared expense together.

It’s still pretty easy – we work with lenders who allow borrowers to include certain Centrelink benefits in their total income as part of their application. These benefits must be stable and consistent across your loan term, so they’re limited to pensions like aged, disability, veterans’, carers’, single parent and other similar payments. JobSeeker and Youth Allowance on their own can’t be included, as they’re able to be easily changed if the recipient finds a job, completes their studies or passes a certain age.