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Personal Loans



Personal Loans


 Personal Loans

A Personal Loan is an unsecured loan with fixed payments and a fixed payment schedule that can be used for debt consolidation, home improvements, share purchases or any other need.

 Car Loans

Car Loans are loans which are secured by the vehicle, and can include Consumer Loans, Chattel Mortgages and Hire Purchase.

 Consumer Loans

A loan to purchase a car solely for personal use. The car is the security for the loan and 100% of the total purchase price can be financed. Repayments are fixed for the term of the loan.

 Secured Loan

Secured loans are the most popular type of personal car loan in Australia. The vehicle is used as security for the loan; therefore you need to pay out the loan in full if you sell your vehicle before the end of the loan term. Features of a secured loan:

  • Fixed interest rates
  • Can be repaid over a period of up to 7 years and these repayments can be scheduled weekly, fortnightly or monthly by direct debit or BPAY.
  • You can make extra or additional payments
 Chattel Mortgage

A loan to purchase a vehicle predominately for business use. Popular with sole proprietors, partnerships or companies. The borrower becomes the owner of the motor vehicle while the financier secures a charge over the vehicle. GST is not payable on the loan repayments.

 Hire Purchase

Unlike a chattel mortgage, under a Hire Purchase arrangement you do not become owner of the motor vehicle until all monies owed under the arrangement are paid. GST is not payable on the Hire Purchase repayments.

 Vehicle Refinance

We will assess and if required restructure your current vehicle loan to give you the benefit of current interest rates that are currently available.

 Unsecured

A loan that does not use an asset as security.

In Mortgage & Finance Services.

Our difference is In the name.

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