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Warning About Borrowing

Get A Secured Personal Loan in 3 Simple Steps!

Q: What documents do I need to apply?

You’ll usually need ID, bank statements, basic income details and information about the asset you’re using as security. The process is still straightforward and far less complicated than a traditional bank loan.

Q: What happens if I can’t make the repayments?

Lenders will usually work with you first to adjust payments or create a plan. Repossessing the asset is a last resort, not the first step most lenders would prefer to help you stay on track.

Q: Will I get a lower interest rate with a secured personal loan?

Generally, yes. Using an asset as security usually results in lower rates compared to unsecured loans because the lender has more protection if something goes wrong.

Q: What can I use a secured personal loan for?

These loans are flexible and can be used for car upgrades, renovations, travel, medical bills, consolidating debt, major purchases or unexpected expenses. The purpose doesn’t have to be related to the secured item.

Q: Are secured personal loans easier to get approved for?

Often, yes. Because the loan is supported by an asset, lenders may be more flexible even if your credit isn’t perfect. Strong income and stable repayments usually carry more weight than your credit score alone.

Q: What can I use as security for the loan?

Most lenders accept vehicles, motorbikes, machinery, equipment or in some cases, savings or term deposits. The asset needs to be in good condition and owned outright or close to it.

Q: What is a secured personal loan and how does it work?

A secured personal loan is backed by an asset usually a car, motorbike, boat or another item of value. Using security reduces the lender’s risk, which can mean lower rates, higher borrowing limits and longer terms compared to unsecured loans.

Need a Personal Loan At The Best Rates? Get Funds Fast for Home Renovations or Consolidating Your Debt.

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Better rates and bigger borrowing by putting your asset to work

If you’ve got a vehicle, motorbike or other asset to offer as security, a secured personal loan can provide you with lower rates and higher borrowing limits than an unsecured loan. Our brokers compare secured options across our lender panel and arrange a loan that uses your asset to your advantage, without the hoops the big banks throw at you.
Whether you’re upgrading the car, renovating the house, or consolidating debt, we’ll help you compare lenders, negotiate the loan, and arrange the finance from start to finish. No fees from us, we’re paid by the lender. Not sure if secured is right for you? Compare with unsecured personal loans.

Lower interest rates

Secured loans typically attract better rates than unsecured finance options.

Borrow more, for longer

Higher limits and loan terms up to 7 years, backed by your asset.

Use what you've got

Vehicles, motorbikes, equity or other approved assets can be used as security.

Flexible repayments

Weekly, fortnightly or monthly, with no penalties for paying out early.

No broker fees

Our service costs you nothing. We're paid by the lender, not by you.

Suited to major plans

Ideal for larger purchases, renovations or longer-term financial goals.

Ready to apply?

It's fast, free, and won't affect your credit score.

Apply Now

Get Approved in 3 Simple Steps

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Personal Loan Types & Examples

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower’s credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.

Frequently Asked Questions

What documents do I need to apply?

What happens if I can’t make the repayments?

Will I get a lower interest rate with a secured personal loan?

What can I use a secured personal loan for?

Are secured personal loans easier to get approved for?

What can I use as security for the loan?

What is a secured personal loan and how does it work?

Still have questions? We’re here to help. Contact our team anytime.

Get A Secured Personal Loan in 3 Simple Steps!

Better rates and bigger borrowing by putting your asset to work

Lower interest rates

Borrow more, for longer

Use what you've got

Flexible repayments

No broker fees

Suited to major plans

Ready to apply?

Get Approved in 3 Simple Steps

1. Apply online

2. We source a lender

3. You get approved!

Eligibility Criteria

Verify Age & Address

Australian Residency

Verify Your Income

Banking & Credit History

Our Lender Panel

Personal Loan Types & Examples

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