Secured or Unsecured Loans
Personal loans can be secured or unsecured loans and used for a wide range of purchases and purposes.
Use Our Specialist Services when Applying for a Personal Loan
Applying for personal credit can be a major undertaking, with many options available across the vast consumer lending market. Applicants need to understand the terminology, the features and conditions of the credit product, the documentation needed to apply and any downsides, in order to make informed decisions around their personal financial situation.
Why Aussies Choose Jade
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The easy application process provides you with comprehensive information. Make a fully informed decision on your personal loan.
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Personal Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Expert Assistance for Personal Loan Applications Across 80+ Lenders
We provide experts to assist applicants with all the steps to secure a personal loan. Across the large lending market there are variations in eligibility criteria, application requirements, loan amounts and in lending products. With our vast coverage of the market, we have the resources to source the lender that is best suited to the profile and we handle the personal financing application by liaising with our lenders.
Personal loans can be a convenient and flexible way to meet commitments and realise aspirations. Speak with us about how we can assist you with applying for a personal loan to achieve your life objectives.
Pre-Application Introduction to Personal Loans
Personal loans are available through many banks, finance companies and other non-bank lenders.
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Secured Loans
Secured credit is typically used to purchase goods where the goods can be used for collateral against the loan. These goods can include cars, boats, caravans, motorbikes and similar items which a lender accepts as suitable collateral.
Unsecured Loans
Unsecured personal loans are not secured by the purpose of the loan and can be used to cover many expenses. These can include travel and holidays, weddings, baby arrivals, milestone celebrations, solar panels, household goods, medical expenses, education and training, to consolidate a number of debts, and other personal investments.
Flexible Repayment Options
The interest rate may be fixed or variable, depending on the lender. Terms are typically fixed, and repayments scheduled on a monthly basis. Some lenders do offer weekly and fortnightly payments. Extra repayments are permitted to allow borrowers to repay the commitment earlier.
Find the Best Personal Loan Option to Suit Your Needs
Speak with us about which option will best suit your requirements.
- Secured and Unsecured Personal Loans available.
- Use for many purchases and purposes.
- Variable and fixed rate personal loans.
Personal finance guides and resources
Our guides offer quick comparisons and simple explainers to help you work through the financing process with confidence.
Enjoy the Benefits of Securing Personal Credit Through Jade Finance
We offer many benefits when assisting customers with their personal financing application. With our accreditation with more than 80 lenders, we have the resources to find the right lender, the right product and the most competitive interest rates from across the market – without impacting our customer’s credit score!
When an individual applies to multiple lenders for the same loan, in an attempt to find the best option, it can negatively impact their credit score . When we cover the market on your behalf, there is no impact on your credit score. Plus, you have experts in consumer lending looking after your best interests at all the loan application steps. We know the criteria used by our lenders to approve applications and we know which lenders approve applications for different purposes.
Our brokers will explain the terminology, the terms and conditions and handle discussions and negotiations with lenders on your behalf. We save you time, save your credit score and deliver the most suitable, lowest rate financing solution. Let’s get started.
- Experts to guide and advise through the application process.
- Competitive rates sourced for you from 80+ lenders.
- No impact on your credit score.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, EFFECTIVE 21/02/2026 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.
We work harder to secure the best rates.
Personal Loan Application FAQs
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Secured loans typically use the goods being purchased as collateral. Unsecured loans do not require collateral.
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Applicants can commence their credit application with an online enquiry to a lender and by preparing the documents required by the lender. They should have details of the purchase or purpose for the funds and an indication of how much is required.
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Casual workers can be eligible for personal financing, subject to meeting the other eligibility criteria. Payslips will be required to verify employment and income.
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Yes. Self-employed individuals can apply for personal loans by providing details of their income through tax returns and other documents. Some lenders have minimum trading periods to approve loans to self-employed individuals.
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Conditional approval is the initial approval given by a lender that the individual meets eligibility criteria. Approval is then conditional on the lender review and verification of the documents provided.
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Not all lenders will require an in-person meeting or presentation at their offices. Most loans are approved via online systems. Some banks do require some individuals to present to a branch to verify their identity to settle the loan.
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Yes. Applications can be submitted for loans based on the amount required and the reason for the funding.
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Lenders do approve personal loans for solar panel installations.
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When a loan offer is accepted, the lender proceeds to finalise the contract and disburses the funds into the applicant’s bank account. The time taken can vary with individual lender processes and systems.
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A fixed term will be designated when a personal loan offer is made. The number of years will be dependent on individual lender guidelines and the amount of the loan.