At Jade Finance we take the approach that Personal Loans should be exactly that – personalised. Individually sourced from across the extensive lender market, tailored to the person, the purchase and the purpose. Negotiated to work with budgets, with flexible repayment schedules and at the lowest rates achievable.
Finance for personal purposes is available through many lenders. But interest rates, product features, borrowing limits, repayment terms and approval criteria vary greatly. Making it difficult for some to be confident that they have secured the best loan option.
We assist customers with our individual and personal lending services. Accredited with more than 80 lenders, our expert finance brokers quickly identify the right lender for each customer, source the best rates and most workable terms, and handle the entire finance process.
Whether requiring secured finance to purchase a car, boat, caravan or motorbike, or versatile unsecured credit for a wedding, holiday, medical or education expenses, speak with one of our brokers about your requirements.
Personal Loans can be a versatile, affordable and accessible means of acquiring a range of goods and covering various expenses.
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Credit for individuals is extended by a range of lenders to cover the purchase of goods such as motor vehicles, boats, caravans, and motor vehicles which can be used as collateral against the loan. Credit without collateral is available for expenses that are not suitable for collateral.
Borrowers take on the credit over set terms and repay the funds in monthly instalments. Interest is charged on the funds borrowed with the charges incorporated into the repayments. When all the monies are repaid, the debt is cleared, and any collateral released from the lender’s interest.
Personal loans are available through banks, finance companies and non-bank lenders that specialise in certain markets such as marine finance. The products offered by lenders can vary with various features, fixed or variable interest rates, terms, and maximum and minimum loan amounts.
Credit scores play an important role in getting approved, interest rate offers, and the loan amount. Approval criteria can vary across the market. Where an individual applies for multiple quotes or loans in order to find the best offer, the process can negatively impact their credit score.
With so many variations and options available, our services simplify and streamline the process while providing the most suitable outcome. Simply brief one of our brokers and we will find you the credit offer that best suits your profile, your purchase or your purposes. Request a quote online or by phone.
While there are variations in the features of individual lender’s credit products, the two main types of personal finance are Secured and Unsecured.
Secured loans suit the purchase of goods which can be used as collateral such cars, motorbikes, caravans and boats. The goods must be accepted by the lender as suitable security. The age and condition of used goods is assessed.
Unsecured loans are credit without collateral and can be used for purposes where the object of the loan is not available as security. Purposes can include holidays, weddings, medical costs, and similar expenses. While the loan is technically ‘unsecured’, lenders may request some form of collateral to approve the application.
As lenders have collateral with secured loans, the interest rates on secured finance are lower than for unsecured products. Secured loan rates are typically fixed while unsecured loan rates may be fixed, but more usually they attract a variable rate. The goods under finance must be insured.
We arrange personal loans with fixed rates, fixed terms, and fixed monthly repayments. Ensuring affordability, flexibility and versatility. For a quote on your personal finance requirements, contact us.
Our guides offer quick comparisons and simple explainers to help you move through the financing process with confidence.
The interest rate is key to the cost of the loan and therefore, the overall purchase cost. Consumer credit is regulated by ASIC. Lenders are required to display their interest rate and a Comparison Rate. The Comparison Rate is the rate on the specific loan example displayed when fees and charges are included. Not all fees and charges may be included.
Lenders typically display their best available rate for good credit profile applicants on new goods. Credit scores are reviewed with each application and a rate offer made. Personal loan interest rates may be fixed or variable depending on the type of loan and the lender.
A fixed rate stays the same for the full term. A variable rate can change with rate market and lender fluctuations. If the rate changes, the repayments also change.
The amount an individual is approved for is known as their Borrowing Limit. This is assessed by lenders based on credit score as well as income relative to debts and ongoing expenses. Lenders do have minimum and maximum limits.
Contact us if you would like further information.
We are specialists in consumer credit and handle the entire personal loan sourcing and arranging process on behalf of customers. Many individuals may not be aware that they can use our expert broker services to arrange their personal finance. You can! No referral is needed, simply connect with us online or over the phone.
Key advantages in using our service are finding the lender best suited to the specific credit profile and application, finding the lowest personal loan interest rates, and having an expert negotiate on your behalf with the lender. We are accredited with 80+ lenders, providing our brokers with quick access to the right lender for each customer.
Our brokers negotiate with our lenders on rates, terms and loan amounts. Structuring the finance with workable repayments, to best suit the repayment capacity and budget of each customer.
To have one of our experts find you the right lender, the right loan, and the lowest interest rates, connect with us online or by phone.
To be eligible for a personal loan, individuals must meet two stages of eligibility – the Consumer Credit Law requirements, and the individual guidelines set by lenders. Under the law, applicants must be over the age of 18 and provide verifiable documentation on income and financials, residency status or visas, identification, and similar personal information.
Lenders have their own criteria for approval which can vary across the market. This can include credit scores, minimum earnings, the purpose for the loan, loan limits, and other aspects.
As specialists in personal loans, we know the criteria used by our 80+ lenders and quickly match each customer to the right lender. To check your eligibility for personal loans, ask Jade Finance!
Applying for personal loan with Jade is streamlined with our individual and personalised service. Your Jade broker will advise the information and documents required for your specific loan. We handle the discussions with lenders to get quick quotes, fast approvals, and assist with settlement.
We’re working in your best interests and that includes ensuring your funds are approved and available as quickly as possible. Take the confusion and delay out of applying for personal finance by contacting us.
Wondering what your personal loan may cost? Use our calculators to quickly estimate repayments on a range of Secured and Unsecured Loans. Vary the loan amount and term to immediately see the difference these can make to the monthly repayment estimate. We provide calculators for Secured Car Loans, Secured Motorbike Finance, Secured Boat Loans, Secured Caravan Finance, and for Unsecured Personal Loans.
Start calculating and contact us to get your application started.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 16/09/2024 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
The two main types of personal finance are secured and unsecured credit products.
Secured loans use the goods being purchased as collateral. With that assurance, lenders can offer lower rates than on loans without collateral.
Secured personal finance typically has a fixed rate. Unsecured loans may have fixed or variable rates. Variations occur with different lenders.
Unsecured personal credit may be obtained for a holiday, subject to lender approval.
Finance offers can vary from estimates derived using an online calculator. Calculators do not have the functionality to check credit scores and individual applications. Calculators do not allow for lender fees and charges which vary with different lenders.
Unsecured credit may be approved without collateral, subject to the strength of the individual application and the lender.
Secured financing is used to acquire goods which are deemed suitable collateral. These can include motor vehicles, watercraft, motorbikes, caravans and similar goods.
To apply for personal finance, applicants must be over 18 and provide documentation on their income and financial status, residency, ID, expenses and similar personal information.
Used vehicles may be financed with a secure loan where the lender accepts the car as suitable collateral for the credit.
Borrowing limits are established by lenders following an assessment of the individual application. The limit can depend on the earnings capacity, debts and expenses, and credit score.
