Auto Financing For Personal or Business Use

Ausloans Australias premier online car broker. We make auto financing easy



Caravan and Camper Trailer Finance

Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy



Caravan Loans

Caravan and Camper Trailer Finance

Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy



Commercial loans

Caravan and Camper Trailer Finance

Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy



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Harness the power of Australia's largest independent finance aggregator.  Access multiple lenders and get all the tools and support you need  to grow your business.


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Personal Loans

Personal Finance Made Easy. Get real and personalised rate offers from +40 lenders in minutes, with no impact on your credit score. 

  • Secured Personal Loans from 6.29%* (8.19% Comparison Rate)
  • +40 Lenders
  • Fast and online application
  • 4.7 Google Rating from +600 reviews

Loan reviews from Ausloans customers just like you 

Read what real customers say about the Ausloans personal loan experience then continue below to learn the best way to secure finance.
Our team are experts in personal finance and are here to help you get the best deal possible.

What is a personal loan?

Personal Loans Explained

A personal loan is a type of financing taken by individuals to meet an immediate financial need. Personal loans can be used for various purposes like debt consolidation, home renovation, medical bills, travel, wedding, buying a car, and more. 

The purpose of your personal loan is important since lenders take that into account when deciding to grant or deny your loan. It is also a very good idea to consider your repayment abilities and income, especially if you're taking out a loan that takes a few years to repay.

A personal loan is where a finance broker is of great help. He can help you assess your situation and choose the best personal loan rate that won't get you in trouble. 

Check out our personal loan calculator to have an estimate of what your repayments are going to be.

Looking for a bad credit personal loan? 

Think you've got bad credit, but not sure?

You might not realise it, but most people who think they do actually don't. That's why completing our 2-minute finance app is the best way to find out if your score qualifies for a personal loan. 

Ausloans has been helping Australians overcome credit issues with a range of bad credit personal loans designed to get you the help you need to achieve your goals when your score isn't great.

Our team of experts have access to some great lenders who are willing and able to help people with less than perfect records. So let us turn your past mistakes into future success by giving you a low interest personal loan today. 

Ausloans Personal Loans for just about
anything you want money for

Ausloans personal loans are tailored to your needs.
With 40+ lenders in our panel, we can find you the best personal loan rates in Australia. 

Debt consolidation

Consolidate your debts with a personal loan. Debt consolidation can help you get back on track again. 

Home Renovations

Whether you want to update your kitchen, add a new bathroom, or just give your home a good overall renovation, our personal loans can help!


Your wedding is one of the most important days of your life. You deserve to have the perfect day, without having to worry about money.

Medical Bills

If you're struggling to pay your medical bills, we can help. Our personal loans are designed to cover the cost of healthcare-related expenses.


Don't let the cost of education hold you back! Get a personal loan for college, graduate school or any other type of education.

Travel and more

Looking to travel the world but don't have the cash? No problem! With our travel personal loan, you can explore every item on your wish list

Personal Loans in 4 easy steps

With our advanced technology and diverse lender panel getting you the best personal loans in Australia 



It takes only two minutes to make an online application. No lengthy questions. Apply now.


Easily upload documents directly from your phone or computer.

Get your
personalised rate


With our automated finance software ZINK, we match you with a lender and get you the best rate for your circumstances




Get approved and enjoy!

Personal Loans | 7 tips to help get approved 

When you apply for a personal loan there are some things that can help improve your chances of getting approval.

Be honest about your situation

When you apply for a personal loan lenders conduct thorough credit checks across multiple databases and transaction records. Establish credibility and good character by being honest with your answers. To assist you, lenders need to know your history and unexpected surprises can damage your chances of success. 

Maintain stable employment

One of the key requirements for personal loan qualification is serviceability. Lenders will look for stable employment history, usually, at a minimum of 6 months of continuous employment in the same job. This shows the lender that you can both hold down a job and earn a regular income to meet future loan repayments. 

Banking conduct

Your banking conduct is important. Try to avoid draining your bank account of all available funds on paydays. Lenders like to see that you have some savings, even if small. 

There are many things you can do to improve your bank statements. To learn more visit the link to banking conduct.

 Avoid payday Loans

While it may be tempting to take out a payday loan when things are tight, this is one of the biggest red flags for lenders. Payday loans indicate that you are struggling to manage your finances.  Avoid them at all costs. Increase your chances of getting approved. Learn more about payday loans here


Choose a sensible loan amount

Most lenders will place restrictions on the total amount you can finance using a bad credit car loan. Apply for a large loan and you will probably be declined. An acceptable loan amount would be in the range of   $10.000 to $35,000. 

A deposit can help

While not a prerequisite for obtaining a bad credit car loan a deposit can really help you get approved.  Having a deposit of around 10% of the total value of the vehicle shows lenders that you are financially responsible and have the ability to save. 

Alternatively, trade-in of any kind can also be considered a despot and this helps show the lender that you are as committed to the loan as they are which intern reduces you as a risky client. Learn more about deposits.

Credit Rehabilitation

If you've got multiple bad credit marks on your credit file you may want to consider credit clean or credit rehabilitation before applying for a loan. credit rehabilitation helps prove you're a good client now and pay your loans as it falls due.


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Popular Questions and Answers
About Personal Loans 

More About Personal Loans

If you're shopping around for a personal loan, it can be hard to tell which one is right for your situation. There are both secured and unsecured loans. Below we explain to you the difference! Or you can check out our comprehensive Personal Loan Guide.


Secured vs Unsecured Personal Loan

Unsecured Personal Loan: 

An unsecured personal loan is a great option for those who need quick and easy funding, but don't want to provide any security. While the interest rate on these types of loans can be higher than secured, unsecured personal loans offer more flexibility and can be used for all sorts of purposes, including taking holidays or making home improvements. 

Secured Personal Loan: 

A secured personal loan is a great option for those who have reliable assets they would like to use as security. In addition, the lender will offer you lower interest rates than your standard rate, which means that this type of financing could save you some money in the future.

Personal Loans Interest Rate 


The annual percentage rate (APR) is the amount of interest you will pay on your loan each year. This can vary depending upon provider and other factors such as whether it's secured or unsecured, in addition to personal circumstances like income level and strength of your credit profile. 

Ausloans offers competitive Australian personal loans with low interest rates, designed to help Australians get funds for almost anything they need. Our low rate personal loans start at 6.29% p.a.* (Comparison Rate 8.19%) depending on the applicant profile. 

Our 40+ lender panel allow us to offer tailored personal loans that adapt to our customer's circumstances. Our large lender pool has some of the best lenders for personal loans in Australia. 

If you are unsure about how to get a personal loan, simply click on apply now, once you submit the form our team will contact you as soon as they can. 


Latest industry insights from the best





^Representative example: Based on a $30,000 personal loan with a 60 month term at a rate of 6.29% p.a. The comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates. 


*Interest rates range from 56.29% p.a. Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans Finance Group credit criteria and terms and conditions apply. 

Ausloans Finance Head Office: 1/33 Ereton Drive Arundel QLD