Personal Loans

A personal loan is a general purpose loan whereby the bank and or the lender will loan you the funds for any personal reason. There are two types of personal loans, secured and unsecured.

Getting a personal loan allows you to access funds when you need them, creating endless possibilities. Our unsecured personal loan can help you take the trip of a lifetime, get started on that dream kitchen or make those memorable moments even more special. Our Loans have great flexibility allowing you to take the loan for up to 7 years, and when times are good, you can make extra repayments and pay your loan down faster.

A personal loan can be used to consolidate all their credit card and loan debt into one easy to manage loan. This can allow you to maintain better control of your finances and may reduce weekly repayments.

Choosing the right personal loan

Different lenders have different lending criteria and conditions. Some will lend more funds than others, some will require long term employment, whereas some may accept casual employment.

Every lender has different costs, making it tricky for you to find the lowest repayment.  It’s best to talk to our team, who will provide you with the best, quickest and lowest repayment options currently available in the marketplace. Got a question?

A quick view on personal loans

  • You can obtain a personal loan for a 1 to 7-year loan term.
  • To be eligible you must be employed either full time, permanent part-time, casual, or self-employed.
  • Minimum $5000 and a maximum $80,000* can be obtained as a personal loan.
  • Depending upon the applicants details, paid defaults under $500 may be considered.
  • The applicant must be 18 or above to be eligible for personal loans.
  • Low Doc available for eligible self-employed applicants.

Unified personal loan brokers

  • Our brokers will obtain all the information required from you to get the best personal loan for you with the lowest possible repayment.
  • With so many options, we can now customise your personal loans so that you can manage your finances with ease and continue focusing on living your life. 
  • Don’t wait to install that new bathroom or kitchen, don’t wait to take that holiday, let us help you get that sorted today.

Personal loan types

Regardless of your credit history our team has numerous options regarding personal loans. We will perform all the necessary credit checks and provide various choices from which you can choose the one that best suits your needs.

Secured Personal Loan

An example of a secured personal loan is a car loan. A secured car loan will generally have a lower interest rate than any other type of loan available because the car is used as a security until such time as the loan is paid out.

Un-Secured Personal Loan

There is no need for security with this type of loan, however, interest rates may be higher. This type of loan is typically used for holidays, debt consolidation, weddings, and renovations.

Why Unified Loans?