Personal Loans & Debt Consolidation
Sometimes what you need is not tied to a particular asset. Whether it is a renovation, a trip, or tidying existing debts into a single repayment, our team can walk you through the options.
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FBAA MemberM-361065
AFCA Member117883
Cr. Rep. 572450Authorised under AFAS Group Pty Ltd (ACL 414426)
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How It Works
Tell us what you need
Use our flow tool or call us directly. Obligation-free.
We compare your options
We match your situation to lenders on the panel that suit it.
We come back with options
Timing depends on the lender and your application. We handle the paperwork.
What We Finance
Frequently Asked Questions
What can I use a personal loan for?
Almost anything: debt consolidation, renovations, holidays, medical expenses, or any major purchase.
What is debt consolidation?
Debt consolidation rolls several debts into one loan with one repayment. Whether it costs less depends on the rate, fees and term.
Do I need to be employed?
Not necessarily. Some lenders consider self-employed applicants, retirees with assets, or those with other regular income.
What is the difference between secured and unsecured?
Secured loans use an asset as collateral and offer lower rates. Unsecured loans have no collateral but slightly higher rates. We will recommend the right structure.
Can I finance a private sale?
Yes. We work with lenders who fund private sales, not just dealer or showroom purchases, so you can buy from wherever you find the right one for you.
What information do I need to apply?
Usually just photo ID, recent payslips or bank statements, and the details of the asset you want to buy. For self-employed applicants, a couple of recent tax returns or BAS statements help. We will tell you exactly what is needed for your situation.
Can everything be completed remotely?
Yes. The entire process, from quote to approval and signing, can be done online or over the phone. You never need to visit an office.
Important Financial Information
Representative APR & Interest Rates: Interest rates vary depending on the lender, your credit profile and your individual circumstances. We will confirm the applicable rate, and the comparison rate, before you proceed.
Loan Amounts: $2,001 to $80,000
Loan Terms: 1 to 7 years
Repayment Information: Repayment amounts vary based on loan amount, term, and interest rate. Your repayment schedule will be provided before signing.
Fees & Charges: Fees depend on the lender selected and may include an establishment fee, monthly account-keeping fee, and early termination fee. Some lenders charge none of these fees. All applicable fees will be clearly disclosed in your loan contract.
This information is a general guide only. Actual interest rates, fees and loan terms are determined by the selected lender based on your personal circumstances and creditworthiness. Aquavan Finance does not provide credit directly. Please read all loan documents carefully before signing.