Personal Loan Options That Won’t Break The Bank

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Get A Great Low Rate On Your Personal Loan

There are plenty of lenders out there who offer unsecured personal loans but how do you know which one is the best in price and features? Sometimes it may not be one of the major banks who can offer the best fixed rate personal loan. There are a number of wholesale and P2P lenders who now offer rates that are often half what the big 4 banks are advertising. There are a number of ways you can help minimise the rate as well as increase your borrowing amount when seeking funding for a personal unsecured loan.

Some of these useful tips are…


Offer an asset that you already own to secure all or part of the loan amount.


User a qualified asset finance broker to assist in researching the market and protect your credit score.


Make sure your current loans are paid on time and you don’t have any 'Pay Day' or short term loans from high interest offerings.


Research lenders outside of the Top 4 Big Banks as these have often much lower interest rates.


Pay down any Credit Card Limits as this can prevent an approval or reduce the amount some lenders may be willing to offer.

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What Can I Use My Personal Loan For?

There are many different items you can use your personal loan funds for. Sometimes you will need to apply for an unsecured personal loan if the asset you are looking at to purchase is too old or does not fit the secured loan lending criteria. Sometimes the amount you need to borrow is above what the lender will lend you on a fixed rate secured car loan, so a personal loan is a better option.

Alternatively, most people use unsecured personal loans for things like holidays, weddings, school fees or for medical procedures and operations. Whatever your need is, speak to the team at Loans Unlimited on what is the best option for you and your situation. Speaking to an expert in this area will make sure you don’t get the wrong loan at the wrong rate which can be costly in the long run.

Happy Clients


I didn’t think I was eligible for a personal loan as I’ve just come off maternity leave and mine and my partners credit rating isn’t great! Neil did everything he could to try help us get the loan. With Neil’s help I was approved and had the money in a matter of days. No fuss and repayments I can afford.
I would happily recommend Neil to friends and family.
Thanks again.

Julie Pryce-Howells

It was such a great pleasure having you secure finance for my recent purchase of the 2009 Gls Pajero. Very speedy process and a hassle-free car loan with low interest rates and no fuss finance. If any of my friends are looking for a car loan, I will highly recommend you. I’m giving you a rating of 10 out of 10, it was a highly personalised service, even Brett the car dealer was very happy dealing with you as you were highly responsive and very efficient. Once again, thank you so much for your services, a great finance organiser and a great car deal.

Nestor Adesna

I got referred to Neil, from a friend, to help me finance my vehicle. I wasn’t sure what to do as the dealer had offered me a finance package as well as my bank. Neil beat them both, not only with the interest rate but with the service. Nothing was too much for him! Would recommend Neil to anyone when it comes to finance!

Anna-Maria Pilling

Unlimited Loans remain in contact with you every step of the way. Smooth to deal with and thoroughly explain all the details.

Travis Powell

my first ever car finance and it was a breeze thanks to caillan and his team that made it so much easier for me and my family

Samey Morehu

Connect With A Personal Loan Expert Today

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Total Biz Pty Ltd T/A Loans Unlimited

Australian Credit Licence 506875

ABN 7862 4937 882

* The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.

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