Tell us what you want to borrow for. A verified finance professional who covers your postcode will get in touch to explain how loans work, what lenders look at and what to compare, so you can decide before you apply anywhere.
A verified professional will get in touch.
Not sure which fits? Describe what you want to do, and a professional can help you narrow it down.
A fixed amount repaid over a set term, not tied to anything you own.
Borrowing secured against a car or another asset. Often a lower rate, with more risk.
One loan that pays off several debts. Check the total cost over the whole term.
Credit for a vehicle, which may be secured against the car.
The No Interest Loan Scheme or a StepUP loan, for eligible people.
Revolving credit you can draw on, with its own fees and interest.
What you earn, and how steady it is.
Rent or home loan, bills and other regular costs.
What you already owe and the repayments you make.
How you have managed credit in the past.
Whether you are employed, self-employed or retired.
How much you want and how long you need to repay it.
Not just the headline rate in the advert.
Over the whole term, including any fees.
And what you could lose if you can't repay.
And whether you can pay off the loan sooner.
An enquiry shows on your file.
Check the ASIC register yourself.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
A low repayment can hide a long term and a high total. You hear the full amount you'd repay.
An application can show on your credit report. You hear what that means before you apply.
You get the options explained. Whether to apply is always your decision.
An unsecured loan isn't tied to anything you own. A secured loan is secured against an asset, such as a car, so the lender can take it if you can't keep up the repayments. Secured loans often have lower rates, but they carry more risk.
It's one figure that combines the interest rate and most fees, based on a set example, to help you compare loans. Your own costs may differ. Ask for the exact rate, all the fees and the total you would repay.
Your income and expenses, your existing debts, your credit history and your employment. By law, lenders must make reasonable inquiries to check that a loan is suitable for you and that you can afford it, which can include looking at your bank statements.
A formal application usually leaves an enquiry on your credit report that other lenders can see. Lots of applications in a short time can look worrying, so check your eligibility before you apply and don't apply to many lenders at once.
Options exist, but they can cost much more. Be wary of anyone who guarantees acceptance. Low-cost options include the No Interest Loan Scheme and StepUP loans from community lenders for eligible people, and a financial counsellor can talk you through your choices for free.
Short-term small amount loans have capped fees but can still be very expensive for what you borrow, and they can become a cycle. Before you take one, ask about cheaper options or speak to a free financial counsellor.
Often, yes, but fixed rate loans in particular may charge a fee for repaying early. Ask about any fees before you sign.
Contact your lender early. You have the right to ask for a hardship variation, and lenders must consider it. The National Debt Helpline on 1800 007 007 can also help for free.
Complain to the lender first. If you're not happy with the answer, you can take it to the Australian Financial Complaints Authority, which is free to use.
How much you want to borrow and why, roughly what you earn and owe, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't make credit decisions. Any offer comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
All AU finance · Purchase Mortgage · Small Business Funding
Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give financial advice or make credit decisions. Any offer comes from the firm that contacts you. Check that a firm or broker holds an Australian Credit Licence, or is a credit representative, on the ASIC Professional Registers (asic.gov.au) before you share personal or financial details. If you are struggling with debt, free help is available from the National Debt Helpline on 1800 007 007.
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