Personal loans
Got a one-off cost to cover?
A fixed amount repaid over a set term, usually without security. Unsecured loans cost more than home loans, so keep the term short and the amount to what you need.
Who it suits
- One-off costs with a clear end date
- Borrowers without home equity
What lenders look at
- Income, expenses and other debts
- Credit history
- Whether the repayments are comfortable
What to prepare
Tick them off as you go.
Questions to ask
- What is the total I'll repay?
- Can I make extra repayments?
- What fees apply if a payment is missed?
Everyone's situation is different. Lenders weigh things differently and small details change the answer. An adviser can tell you where you stand with personal loans and what to do next.
Talk to an adviserRun the numbers
Calculators for this
Loan repayments
Work out your repayments and the total interest over the life of the loan.
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See where your money goes each month and what's left.
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Guides
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Every situation is different
Tell us what you're planning and an adviser will work through your options with you.