Find a Car Loan, Best Car Loan, Cheapest Car Loan, Car Loans Victoria, Car Loans Adelaide, Car Loans NSW, Car Loans Queensland.


Read more about Find a Car Loan Find a personal loan is about finding you a personal loan for a car, car finance. If you are after a second car, maybe for a son or daughter, and the car will also be used by the parents, the personal loan application, or car finance is often best done with multiple applicants. In other words one parent appears on the application with the son or daughter. If you are after a personal loan in Australia, or car finance including; Personal Loan Adelaide, South Australia Personal Loan Melbourne Victoria Personal Loan Sydney New South Wales Personal Loan Brisbane Queensland Find a personal loan can help you get a cheap car loan and the best car loan, sometimes called car finance. You can fill in our application form to get the answer on your car loan or car finance fast, just go to the Apply page and listen to the instructions about filling in the personal loan application. Bank Loans are often used to obtain fast personal loans, and can be for any purpose including car loans. Car Loans are often mistaken for personal loans but they are often secured personal loans, and the car is taken as security. Unsecured Personal loans are taken out for debt consolidation, or for a personal loan to do home renovations, where there is no tangable asset. The best way to get car finance is to complete all the details on the application form. This will give you the cheapest car loan options from the broker looking after your pesonal loan application. Find a Personal Loan specialises in getting you a personal loan Broker in Australia, who can work for you to get a car loan that is right for you and taking your own circumstances into account. Are you after a car loan? If the answer is yes then you can ask for a personal loan for that car. The fast loan can be an unsecured personal loan, or a secured personal loan, depending on the lender and your desire to have the car taken as security or not. Secured personal loans for car loans is when the lender will take the car as security against the personal loan, and when there is no security taken the car loan becomes unsecured personal loans. You can apply for a personal loan online, especially if you are looking for a personal loan broker who will look for the cheapest personal loans in australia, and search all of the bank loans available to them to offer fast loans at the best personal loan rate. If you are searching for a personal loan quote then apply for a personal loan is easy with an online personal loan. The cheapest Personal Loans are often Bank Loans, and can be fast Loans, but you will require all of the correct documentation to get your personal loan fast. Tips for getting the best Car Loan, Car Finance possible for you: Apply for a Car Loan or car finance Online through a personal loan broker, by completing the online application. This is best for fast car loans, because you are then informed as to the correct documentation that is required for either unsecured personal loans or secured personal loans. Make sure when you are completing the online car loan application that you answer all of the questions, and honestly, otherwise your personal loan broker will not be able to help you with your car loan application. Next Collect all the required documentation, that you are asked for by your personal loan broker, and send this off to them as soon as possible. Cheapest car loans are often not possible because the personal loan broker has not got all of the information required. This is especially important for bank loans, and fast car loans. Find a personal loan can get you with the cheapest car loan but you must be accurate and quick responding to the requests from your personal loan broker. Car Loans in Melbourne, or a car loan in Victoria is possible with an online car loan. Cheapest car Loans in Australia and especially Bank loans are also possible with an online car loan. The Information you supply must be accurate, and detailed. Do not try to hide anything from your personal loan broker, because the Lender will always find out the facts, and then decline the loan because the information you have supplied in your personal loan application does not match up with the facts, and they then assume there is some thing else missing from your application. So the best advice is to tell your personal loan broker everything, accurately. Always disclose the liabilities you have, even if they are in joint names. This is the single biggest reason for car loans being declined. Undisclosed credit is easy to verify from the lenders point of view, so when you are completing your application for personal loans, do not leave any credit you have undisclosed. Car loans are probably the biggest type of personal loan asked for, and the personal loan type is often secured personal loans and not unsecured personal loans, that is to say the car will be used as security against the loan. What is a Personal Loan Broker? A Personal Loan Broker is a Broker that specialises in Personal Loans. They will search through bank loans, and non bank loans, depending on whether the personal loan you are after will be secured or unsecured. Banks Loans are Often Unsecured for personal Loans that are not for a tangable object like debt consolidation, or a personal loan for a holiday. Car Loans are often Secured Personal Loans because the lender will take the car as security. This is often the cheapest personal loans because there is more security for the lender. How to apply for a car loan, Car Finance? To get fast car Loans, apply for a car loan by going to the Apply page first. This is where you can find a list of items to collect for your car loan application. You will then be directed to the Online car loan application form, where you will be asked to fill in the details of the personal loan type you are after and also your personal details. If You are after the best car loan rate, then make sure you enter all of the details accurately and completely. The Cheapest Car Loans are received by people apply for a car loan and give as much detail as asked for. Find A Personal Loan Questions and Answers for Car Loans, Car Finance: Sometimes you are just curious about how things work or have a simple question and feel you just don't want to bother us. Most of the basic questions are covered to try and help you with getting your finance. If your questions are not answered on these pages, please contact us. We are here to assist you as much as we can, and want you to be matched with brokers and Financiers that can assist you. You can email your questions to question@findapersonalloan.com.au Who are Find A Personal Loan? Why should I use Find A Personal Loan for a Car Loan? What is the process for getting a loan; What 'Supporting Documentation'... do I have to supply? How long will it take to get an approval? Will Find A Personal Loan do a credit check on me? What repayment terms can I have? What will the interest rate be on my loan? How do lenders determine what interest rate to charge me? What are the repayments going to be? What are the Finance Brokers Contract / Finance Brokers Appointments? Can I make additional repayments? What are the fees and charges? Are there any hidden or other charges? Who is Find A Personal Loan? Find A Personal Loan is a Finance matching business operating across Australia, which seeks out and secures car finance solutions for you, our customers, and for free. Personal Loans Australia, including: Car Loans Victoria Car Loans Adelaide Car Loans NSW Car Loans QLD We have over 30 years of combined experience, and access to around 70 brokers, lenders and domains, providing a wealth of resources all working to help you find the best Car Loan for your circumstances. See the "About Us" page for more details, or... Click here to Apply for a Personal Loan back to top Why use Find A Personal Loan to Find Car Loans/ Car Finance? Our experience and knowledge of financial products and lenders is an invaluable resource in getting you a Car Loan or car finance. Many people have applied for a Personal Loan, or a Car Loan, and been declined with the answer 'you don't meet the lending criteria'. Often this is the right answer because all lenders have different criteria which are put in place to select the exact customers they want. This is one of the many advantages of dealing with Find A Personal Loan. We are aware of the lenders criteria and place your details with the broker / lender that best suits your individual circumstances. In addition, sometimes you may not meet one of the lending criteria by only a small margin, but in other areas you may be very strong. Knowing your individual circumstances and the lenders criteria, enables us to "match" you; on your behalf with the broker/Financier of best fit, turning a potential decline into an approval. Using Find A Personal Loan increases the chances of you getting your loan approved. and there is no fee for this service... Click here to Apply for a Personal Loan back to top What is the process of getting a Car Loan; What do I have to supply? It really is very simple... Click Apply Now and complete our online assessment form. You will be automatically matched to a broker that specialises in organising loans with your individual circumstances, and secure a loan specifically for you. The Broker will advise you of exactly what is required in your circumstances, but as a guide: If you are consolidating an existing Personal Loan, 6 months most recent statements If you are consolidating a store/credit card, 3 months most recent and complete statements A Home owner/Mortgage will need to supply current council rates notice If you are employed; 2 most current pay slips If you are self employed, most recent tax assessment notice If living in N.S.W. the signed Financing Broking Contract If living in Vic. the signed Finance Broking Appointment ( The last 2 can be printed off of the Personal Loan Broker's web site; or they can email/fax them to you) Click here to Apply for a Personal Loan back to top How long will it take to get an approval for my car finance? Once the personal loan broker has ALL of the 'supporting documentation' and other information needed, they analyse the information and select the best outcome for you. The time from having all the information to a 'conditional approval' is generally less than 2 hours. Plus, as a special service, if you get ALL the information they require, within 24 hours, they will give your application "PRIORITY" status. So make sure you send everything needed as fast as possible, helping them get the money to you much faster. Click here to Apply for a Personal Loan back to top Will Find A Personal Loan do a Credit Check? Many brokers don't care about your credit file, all they care about is getting paid, so they apply a "shotgun" approach to getting you a loan, hoping that someone, anyone, will give you a loan. In this process, many enquiries are made on your Credit File, leaving long lasting problems that can take years to correct. At Find A Personal Loan, we know your Credit file is vitally important and very fragile, we protect it as though it was our own and do not in anyway harm or add to it. Many peole wish to check their credit file before applying for a personal Loan, and you can do thet by visiting My Credit File Report where you will receive: A Copy of your Credit File Your Credit Score A Report on your Credit Likelyhood of a personal Loan Approval At Find A Personal Loan, we respect your Credit File... Click here to get your Credit File Report back to top What repayment terms can I have? With your repayments, you can choose weekly, fortnightly or monthly repayments which ever works best for you. With regards to the length of the loan, if you borrow less than $15,000 your loan term can be between 0 and 5 years. If you are borrowing more than $15,000 your loan term can range from 0 to 7 years, for unsecured personal loans, or 5 years for car loans. Click here to Apply for a Personal Loan back to top What will the interest rate be on my loan? Personal Loan Brokers do not lend you the money, therefore they do not determine the rate. They work for you to find which Bank, Credit Union or Finance Company will be lending you their money. As such, the lenders determine the interest rate themselves and let the brokers know what it will be when they give "unconditional" approval for your loan. It is fair to say however, that our panel have access to the most competitive rates in the market place and can and do negotiate with lenders on your behalf to get the best deal possible... Click here to Apply for a Personal Loan back to top How do lenders determine what interest rate to charge me? All lenders operate the same way, lending money based on the assessment of risk. The best rate will be determined by the strength of your application. Every piece of information earns points giving a total score at the end. For example if you are a home owner you will score more points than someone who is renting, although the person renting will score extra points if they have been at the same address for a long period. The same applies to employment, credit defaults and the list goes on. All of the information can be verified by the lender, or you may be asked to provide verification, so it is vitally important to provide accurate information. Conflicting information can result in your loan being declined. Your broker is there to help as they check all the information before they submit it to the lender... Click here to Apply for a Personal Loan back to top What are the repayments going to be? Repayments will be determined once the loan has been 'unconditionally approved'. As a very rough guide, loan repayments are approximately $6 per week per $1,000 borrowed. Many factors have an impact on the repayment amount, amount borrowed, term of the loan, strength of the applicant and finally the interest rate. This estimate is an indication only, and will vary depending on your specific circumstances... Click here to Apply for a Personal Loan back to top What are the Finance Brokers Contract / Finance Brokers Appointments? These two documents are legal requirements for brokers in several states of Australia. They are designed specifically to disclose the maximum limits for the credit you are seeking. The information contained in them, describes the upper limits on loans from the panel of lenders, and not an indication of what your actual loan terms will be. One of the advantages of dealing with Find A Personal Loan is we have many contacts with brokers lenders and domains. This means we are able to get the best fit for your situation. In States where these documents are required, you CANNOT get a consumer loan without completing them as they are legal requirements. They are also required BEFORE your application can be passed on to any lender... Click here to Apply for a Personal Loan back to top Can I make additional repayments? Many lenders offer this option on their loans, and is often available without penalty. back to top What are the fees and charges? Each lender has a different scale of fees and charges, including different fees, depending on the type of loan you apply for. Once your broker has all of the information and reaches the final 'Unconditional' approval stage they, and therefore you will know all of the fees and charges for your particular loan. As a general indication however, application fees are commonly around the $150 mark... Click here to Apply for a Personal Loan back to top Are there any hidden or other charges? Once you are provided you with the personal loan repayment amount, it is inclusive of ALL fees and charges. "Drive away no more to pay" Click here to Apply for a Personal Loan back to top Personal loans are for personal use. That is to say the money must be for wholly or predominantly for personal or domestic use. Personal loans can not be taken out for business uses; such as starting a business, stock for a business, cars for business use etc. Secured Personal Loans / Car Loans Secured lending is where the financier agrees to advance the money to the customer for the purchase but takes a "goods mortgage"; that is to say a "Bill of Sale" or "security" over the item; namely the car. Vehicles are the most common item that is "secured against"; next to a house and is often referred to as a "car loan". As the vehicle in this case is going to be "used" as security, there needs to be a way of ascertaining its value. A dealer for example will have a price on the car, it will be advertised for a different price, and after negotiation with the customer, a third price will generally be agreed upon. This final agreed price; is also called, its "TRUE MARKET VALUE". However there is a standard that is adopted by financiers; and in typical tradition, there is more than one standard; but mostly the value that a financier will put on a vehicle ( used ) is found in a book called "GLASSES GUIDE", and is also available on-line by subscription. The other main guide is the "RED BOOK". The term used is "booking the car". Your PERSONAL LOAN Broker will be able to "book" the car for you, letting you know if you are getting a good deal; or not for the car loan. Both these guides represent a nation wide average of sales on different vehicles, gained from gathered data, from government motor vehicle agencies, auction houses, etc. It represents a national guide as to what the vehicles are being bought for, traded in for, and sold for in retail, trade and wholesale situations. Financiers generally take the "middle of the road value"; or trade value, as the value they will lend against, however this is a guide only, as the overall profile of the Customer is considered, and forms part of Nigel Brookson's 6 'C' of Credit Assessment. The sole purpose of the loan is the motor vehicle that is being purchased, i.e. a car loan, and there can not be any 'extra money on top' for anything else. Unsecured Personal Loans Unsecured lending is the financier agreeing to advance the money to a customer for the purchase but takes no security over the item. An "Unsecured Personal Loan" is where the Financier will lend money for any "worthwhile personal purpose", but take no security. Examples are stereo equipment, holidays, and debt consolidation (i.e. non tangible items). Cars can be funded secured or unsecured, depending on the profile of the Customer, and the money can be used to make several purchases, or for several reasons. An example could be consolidating 2 credit cards; which total $10,000, a car for $20,000 and a holiday for $5,000. The total loan amount would in this example be $35,000, and no security would be taken if the loan was approved unsecured. Because of the greater risk, un-secured financiers do not like adverse credit, however paid small telecommunication type defaults are generally excused. In situations of Customers wanting to consolidate debt, like combining personal loans and credit cards, the payment history on them must be good for the last 3 months for the cards, and 6 months for the loans. That is to say, the statements show no late or overdue payments, and the credit card has not gone over the limit. Banks seldom take on another Banks bad debt. It may be possible however to get an amount of money to pay off these debts as long as there is some 'good credit' that is being consolidated. Sometimes it may be possible to receive an approval for a personal loan for say a holiday; where the Financier takes security over a car for example; that is not currently under finance. Your Broker can guide you to what is, and what is not going to be possible.

Read more about Find a Car Loan

Find a personal loan is about finding you a personal loan for a car, car finance. If you are after a second car, maybe for a son or daughter, and the car will also be used by the parents, the personal loan application, or car finance is often best done with multiple applicants. In other words one parent appears on the application with the son or daughter.
If you are after a personal loan in Australia, or car finance including;

Find a personal loan can help you get a cheap car loan and the best car loan, sometimes called car finance.
You can fill in our application form to get the answer on your car loan or car finance fast, just go to the Apply page and listen to the instructions about filling in the personal loan application.
Bank Loans are often used to obtain fast personal loans, and can be for any purpose including car loans.
Car Loans are often mistaken for personal loans but they are often secured personal loans, and the car is taken as security. Unsecured Personal loans are taken out for debt consolidation, or for a personal loan to do home renovations, where there is no tangable asset. The best way to get car finance is to complete all the details on the application form. This will give you the cheapest car loan options from the broker looking after your pesonal loan application.

Find a Personal Loan specialises in getting you a personal loan Broker in Australia, who can work for you to get a car loan that is right for you and taking your own circumstances into account. Are you after a car loan? If the answer is yes then you can ask for a personal loan for that car. The fast loan can be an unsecured personal loan, or a secured personal loan, depending on the lender and your desire to have the car taken as security or not.

Secured personal loans for car loans is when the lender will take the car as security against the personal loan, and when there is no security taken the car loan becomes unsecured personal loans. You can apply for a personal loan online, especially if you are looking for a personal loan broker who will look for the cheapest personal loans in australia, and search all of the bank loans available to them to offer fast loans at the best personal loan rate. If you are searching for a personal loan quote then apply for a personal loan is easy with an online personal loan. The cheapest Personal Loans are often Bank Loans, and can be fast Loans, but you will require all of the correct documentation to get your personal loan fast.

Tips for getting the best Car Loan, Car Finance possible for you:

Apply for a Car Loan or car finance Online through a personal loan broker, by completing the online application. This is best for fast car loans, because you are then informed as to the correct documentation that is required for either unsecured personal loans or secured personal loans. Make sure when you are completing the online car loan application that you answer all of the questions, and honestly, otherwise your personal loan broker will not be able to help you with your car loan application.
Next Collect all the required documentation, that you are asked for by your personal loan broker, and send this off to them as soon as possible. Cheapest car loans are often not possible because the personal loan broker has not got all of the information required. This is especially important for bank loans, and fast car loans.

Find a personal loan can get you with the cheapest car loan but you must be accurate and quick responding to the requests from your personal loan broker. Car Loans in Melbourne, or a car loan in Victoria is possible with an online car loan. Cheapest car Loans in Australia and especially Bank loans are also possible with an online car loan.

The Information you supply must be accurate, and detailed. Do not try to hide anything from your personal loan broker, because the Lender will always find out the facts, and then decline the loan because the information you have supplied in your personal loan application does not match up with the facts, and they then assume there is some thing else missing from your application. So the best advice is to tell your personal loan broker everything, accurately.

Always disclose the liabilities you have, even if they are in joint names. This is the single biggest reason for car loans being declined. Undisclosed credit is easy to verify from the lenders point of view, so when you are completing your application for personal loans, do not leave any credit you have undisclosed.

Car loans are probably the biggest type of personal loan asked for, and the personal loan type is often secured personal loans and not unsecured personal loans, that is to say the car will be used as security against the loan.

What is a Personal Loan Broker?

A Personal Loan Broker is a Broker that specialises in Personal Loans. They will search through bank loans, and non bank loans, depending on whether the personal loan you are after will be secured or unsecured. Banks Loans are Often Unsecured for personal Loans that are not for a tangable object like debt consolidation, or a personal loan for a holiday. Car Loans are often Secured Personal Loans because the lender will take the car as security. This is often the cheapest personal loans because there is more security for the lender.

How to apply for a car loan, Car Finance?

To get fast car Loans, apply for a car loan by going to the Apply page first. This is where you can find a list of items to collect for your car loan application. You will then be directed to the Online car loan application form, where you will be asked to fill in the details of the personal loan type you are after and also your personal details. If You are after the best car loan rate, then make sure you enter all of the details accurately and completely. The Cheapest Car Loans are received by people apply for a car loan and give as much detail as asked for.

Find A Personal Loan Questions and Answers for Car Loans, Car Finance:

Sometimes you are just curious about how things work or have a simple question and feel you just don't want to bother us. Most of the basic questions are covered to try and help you with getting your finance.

If your questions are not answered on these pages, please contact us. We are here to assist you as much as we can, and want you to be matched with brokers and Financiers that can assist you. You can email your questions to question@findapersonalloan.com.au

Who are Find A Personal Loan?
Why should I use Find A Personal Loan for a Car Loan?
What is the process for getting a loan; What 'Supporting Documentation'... do I have to supply?
How long will it take to get an approval?
Will Find A Personal Loan do a credit check on me?
What repayment terms can I have?
What will the interest rate be on my loan?
How do lenders determine what interest rate to charge me?
What are the repayments going to be?
What are the Finance Brokers Contract / Finance Brokers Appointments?
Can I make additional repayments?
What are the fees and charges?
Are there any hidden or other charges?

Who is Find A Personal Loan?
Find A Personal Loan is a Finance matching business operating across Australia, which seeks out and secures car finance solutions for you, our customers, and for free.

Personal Loans Australia, including:

We have over 30 years of combined experience, and access to around 70 brokers, lenders and domains, providing a wealth of resources all working to help you find the best Car Loan for your circumstances.

See the "About Us" page for more details, or...

Click here to Apply for a Personal Loan

Why use Find A Personal Loan to Find Car Loans/ Car Finance?
Our experience and knowledge of financial products and lenders is an invaluable resource in getting you a Car Loan or car finance.

Many people have applied for a Personal Loan, or a Car Loan, and been declined with the answer 'you don't meet the lending criteria'. Often this is the right answer because all lenders have different criteria which are put in place to select the exact customers they want.

This is one of the many advantages of dealing with Find A Personal Loan. We are aware of the lenders criteria and place your details with the broker / lender that best suits your individual circumstances.

In addition, sometimes you may not meet one of the lending criteria by only a small margin, but in other areas you may be very strong. Knowing your individual circumstances and the lenders criteria, enables us to "match" you; on your behalf with the broker/Financier of best fit, turning a potential decline into an approval.

Using Find A Personal Loan increases the chances of you getting your loan approved. and there is no fee for this service...

Click here to Apply for a Personal Loan

What is the process of getting a Car Loan; What do I have to supply?
It really is very simple...

Click Apply Now and complete our online assessment form.
You will be automatically matched to a broker that specialises in organising loans with your individual circumstances, and secure a loan specifically for you.
The Broker will advise you of exactly what is required in your circumstances, but as a guide:

If you are consolidating an existing Personal Loan, 6 months most recent statements
If you are consolidating a store/credit card, 3 months most recent and complete statements
A Home owner/Mortgage will need to supply current council rates notice
If you are employed; 2 most current pay slips
If you are self employed, most recent tax assessment notice
If living in N.S.W. the signed Financing Broking Contract
If living in Vic. the signed Finance Broking Appointment

( The last 2 can be printed off of the Personal Loan Broker's web site; or they can email/fax them to you)

Click here to Apply for a Personal Loan

How long will it take to get an approval for my car finance?
Once the personal loan broker has ALL of the 'supporting documentation' and other information needed, they analyse the information and select the best outcome for you.

The time from having all the information to a 'conditional approval' is generally less than 2 hours. Plus, as a special service, if you get ALL the information they require, within 24 hours, they will give your application "PRIORITY" status.

So make sure you send everything needed as fast as possible, helping them get the money to you much faster.

Click here to Apply for a Personal Loan

Will Find A Personal Loan do a Credit Check?
Many brokers don't care about your credit file, all they care about is getting paid, so they apply a "shotgun" approach to getting you a loan, hoping that someone, anyone, will give you a loan.

In this process, many enquiries are made on your Credit File, leaving long lasting problems that can take years to correct.

At Find A Personal Loan, we know your Credit file is vitally important and very fragile, we protect it as though it was our own and do not in anyway harm or add to it.

Many peole wish to check their credit file before applying for a personal Loan, and you can do thet by visiting My Credit File Report where you will receive:

A Copy of your Credit File
Your Credit Score
A Report on your Credit
Likelyhood of a personal Loan Approval

At Find A Personal Loan, we respect your Credit File... Click here to get your Credit File Report

What repayment terms can I have?
With your repayments, you can choose weekly, fortnightly or monthly repayments which ever works best for you.

With regards to the length of the loan, if you borrow less than $15,000 your loan term can be between 0 and 5 years.

If you are borrowing more than $15,000 your loan term can range from 0 to 7 years, for unsecured personal loans, or 5 years for car loans.

Click here to Apply for a Personal Loan

What will the interest rate be on my loan?
Personal Loan Brokers do not lend you the money, therefore they do not determine the rate.

They work for you to find which Bank, Credit Union or Finance Company will be lending you their money. As such, the lenders determine the interest rate themselves and let the brokers know what it will be when they give "unconditional" approval for your loan.

It is fair to say however, that our panel have access to the most competitive rates in the market place and can and do negotiate with lenders on your behalf to get the best deal possible...

Click here to Apply for a Personal Loan

How do lenders determine what interest rate to charge me?
All lenders operate the same way, lending money based on the assessment of risk.

The best rate will be determined by the strength of your application.

Every piece of information earns points giving a total score at the end. For example if you are a home owner you will score more points than someone who is renting, although the person renting will score extra points if they have been at the same address for a long period. The same applies to employment, credit defaults and the list goes on.

All of the information can be verified by the lender, or you may be asked to provide verification, so it is vitally important to provide accurate information.

Conflicting information can result in your loan being declined.

Your broker is there to help as they check all the information before they submit it to the lender...

Click here to Apply for a Personal Loan

What are the repayments going to be?
Repayments will be determined once the loan has been 'unconditionally approved'.

As a very rough guide, loan repayments are approximately $6 per week per $1,000 borrowed.

Many factors have an impact on the repayment amount, amount borrowed, term of the loan, strength of the applicant and finally the interest rate.

This estimate is an indication only, and will vary depending on your specific circumstances...

Click here to Apply for a Personal Loan

What are the Finance Brokers Contract / Finance Brokers Appointments?
These two documents are legal requirements for brokers in several states of Australia.

They are designed specifically to disclose the maximum limits for the credit you are seeking. The information contained in them, describes the upper limits on loans from the panel of lenders, and not an indication of what your actual loan terms will be.

One of the advantages of dealing with Find A Personal Loan is we have many contacts with brokers lenders and domains. This means we are able to get the best fit for your situation.

In States where these documents are required, you CANNOT get a consumer loan without completing them as they are legal requirements.

They are also required BEFORE your application can be passed on to any lender...

Click here to Apply for a Personal Loan

Can I make additional repayments?
Many lenders offer this option on their loans, and is often available without penalty.

What are the fees and charges?
Each lender has a different scale of fees and charges, including different fees, depending on the type of loan you apply for.

Once your broker has all of the information and reaches the final 'Unconditional' approval stage they, and therefore you will know all of the fees and charges for your particular loan.

As a general indication however, application fees are commonly around the $150 mark...

Click here to Apply for a Personal Loan

Are there any hidden or other charges?
Once you are provided you with the personal loan repayment amount, it is inclusive of ALL fees and charges. "Drive away no more to pay"

Click here to Apply for a Personal Loan

Personal loans are for personal use.

That is to say the money must be for wholly or predominantly for personal or domestic use.

Personal loans can not be taken out for business uses; such as starting a business, stock for a business, cars for business use etc.

Secured Personal Loans / Car Loans

Secured lending is where the financier agrees to advance the money to the customer for the purchase but takes a "goods mortgage"; that is to say a "Bill of Sale" or "security" over the item; namely the car.

Vehicles are the most common item that is "secured against"; next to a house and is often referred to as a "car loan".

As the vehicle in this case is going to be "used" as security, there needs to be a way of ascertaining its value.

A dealer for example will have a price on the car, it will be advertised for a different price, and after negotiation with the customer, a third price will generally be agreed upon. This final agreed price; is also called, its "TRUE MARKET VALUE".

However there is a standard that is adopted by financiers; and in typical tradition, there is more than one standard; but mostly the value that a financier will put on a vehicle ( used ) is found in a book called "GLASSES GUIDE", and is also available on-line by subscription.

The other main guide is the "RED BOOK".

The term used is "booking the car".

Your PERSONAL LOAN Broker will be able to "book" the car for you, letting you know if you are getting a good deal; or not for the car loan.

Both these guides represent a nation wide average of sales on different vehicles, gained from gathered data, from government motor vehicle agencies, auction houses, etc.

It represents a national guide as to what the vehicles are being bought for, traded in for, and sold for in retail, trade and wholesale situations.

Financiers generally take the "middle of the road value"; or trade value, as the value they will lend against, however this is a guide only, as the overall profile of the Customer is considered, and forms part of Nigel Brookson's 6 'C' of Credit Assessment.

The sole purpose of the loan is the motor vehicle that is being purchased, i.e. a car loan, and there can not be any 'extra money on top' for anything else.

Unsecured Personal Loans

Unsecured lending is the financier agreeing to advance the money to a customer for the purchase but takes no security over the item.

An "Unsecured Personal Loan" is where the Financier will lend money for any "worthwhile personal purpose", but take no security.

Examples are stereo equipment, holidays, and debt consolidation (i.e. non tangible items).

Cars can be funded secured or unsecured, depending on the profile of the Customer, and the money can be used to make several purchases, or for several reasons. An example could be consolidating 2 credit cards; which total $10,000, a car for $20,000 and a holiday for $5,000. The total loan amount would in this example be $35,000, and no security would be taken if the loan was approved unsecured.

Because of the greater risk, un-secured financiers do not like adverse credit, however paid small telecommunication type defaults are generally excused.

In situations of Customers wanting to consolidate debt, like combining personal loans and credit cards, the payment history on them must be good for the last 3 months for the cards, and 6 months for the loans.

That is to say, the statements show no late or overdue payments, and the credit card has not gone over the limit.

Banks seldom take on another Banks bad debt.

It may be possible however to get an amount of money to pay off these debts as long as there is some 'good credit' that is being consolidated.

Sometimes it may be possible to receive an approval for a personal loan for say a holiday; where the Financier takes security over a car for example; that is not currently under finance.

Your Broker can guide you to what is, and what is not going to be possible.