Personal loans offer flexible funding for a wide range of expenses. Whether you’re planning a holiday, upgrading your home, covering unexpected medical bills, or consolidating high-interest debt, a personal loan can help you spread costs over manageable repayments. Ausloans works with over 70 lenders to connect you with the right solution for your needs, even if you’ve been declined elsewhere or have bad credit.

How much you can borrow depends on factors like your income, existing financial commitments, credit history, and the purpose of the loan. Most lenders offer personal loans starting from $5,000, with upper limits of $150,000 or more. At Ausloans, our smart loan-matching system assesses your profile and helps match you with lenders that are most likely to approve your desired loan amount.

Lenders may perform either a soft inquiry (which doesn’t affect your credit) or a hard inquiry (which does). At Ausloans, we start with a soft pre-check to match you with lenders — this gives you rate and approval visibility without risk to your credit score. Only if you proceed to full application with a lender will a hard credit check be performed.

Having a poor credit history doesn’t automatically disqualify you from getting a personal loan. We partner with a wide range of lenders, including those who consider applications from people with adverse credit, low credit scores, or previous defaults. Our technology assesses your situation and matches you to lenders most likely to approve your application, without affecting your credit score.

The turnaround time depends on the lender and how quickly you supply the required documents. With our smart matching and streamlined process, many customers receive conditional approval within hours, with funds transferred as soon as the loan is finalised. If you need fast access to funds, we recommend uploading your documents during the initial application.