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Understand Personal & Business Loans, Leasing & Finance

Explore personal and business loans, leasing and finance in Australia. Read guides about loan offers, rates & options, learn how lenders assess applications and use calculators to estimate repayments.

Vehicle Lease Repayment Calculator

Vehicle Lease Repayment Calculator

Boost Your Borrowing Power

Boost Your Borrowing Power

AnyLoan Australia Weekly NewsCast

AnyLoan Australia Weekly NewsCast

Stay informed with MoneyTips

Get practical financial information, news, guides and resources.

 

Explore Loan Types

Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance – explore information about loan types, costs and repayment terms. Our calculators provide estimates based on assumptions, not quotes, offers, approval, eligibility decisions or personalised recommendations.

AnyLoan Australia Weekly NewsCast

Podcast Cover Image Paige Estritori covers this weeks loan and credit news for Australians: hotter September CPI keeps pressure on a possible cash rate hike Tuesday; new analysis shows borrowing power may fall about 11% if rates rise again, so refresh pre-approvals and re-check serviceability; RBA data shows September lending still growing across housing, business and personal credit; and small businesses should act on new card network rules removing surcharges and upcoming merchant-fee transparency. Listeners are encouraged to use calculators and compare rates, fees and features at anyloan.com.au.

Understanding loan eligibility

Different lenders apply different eligibility criteria. Learn about the income, documentation and credit-history factors that may form part of a lender's assessment. Our guides explain these concepts generally; they do not assess whether you qualify for a loan.

Multiple lenders

A broker may help consumers compare loan offers, rates & options from multiple lenders. A broker's panel may not include all lenders or products in the market, and rates may vary based on the borrower's circumstances. Learn how brokers operate and what to consider when comparing loans.

Understanding credit checks

Multiple credit applications recorded on your credit file can affect a lender's assessment and your borrowing options. Brokers or lenders may check your credit file as part of their assessment process with your consent. Read our guide to credit scores and loan applications, or subscribe to MoneyTips for financial information, news, guides and resources. A subscription is not a loan enquiry or referral request.

Frequently Asked Questions

    responsible lending
    Borrowing costs: unsecured personal loans
    The following information is about unsecured personal loans.
    Repayment periods, interest rates and fees vary by lender and loan type. When comparing loans, consider the comparison rate where available, fees, repayment schedule and total amount repayable, rather than the interest rate alone.
    Secured loans use an asset as security. They may have lower interest rates than unsecured loans, but the asset may be at risk if repayments are not made. A lower repayment over a longer term does not necessarily mean a lower total cost.
    For independent guidance on borrowing and managing debt, visit the Australian Government's MoneySmart website.

    Finance Articles

    How Vehicle and Equipment Finance Works in Australia
    How Vehicle and Equipment Finance Works in Australia
    Vehicle and equipment finance can help Australian individuals, sole traders and businesses access cars, utes, trucks, machinery and other assets without paying the full purchase price upfront. This guide explains common finance structures, key costs, risks and application factors to understand before applying. - read more
    Understanding Loan Terms: A Guide for Australian Borrowers
    Understanding Loan Terms: A Guide for Australian Borrowers
    Loan agreements can be difficult to interpret, especially when interest rates, fees, repayment schedules and contract conditions are presented in technical language. This guide explains the key loan terms Australian borrowers commonly encounter so you can read loan documents more confidently and compare borrowing options with a clearer understanding of cost and flexibility. - read more
    Breaking Bad Budgets: Positive Money Moves to Make Today
    Breaking Bad Budgets: Positive Money Moves to Make Today
    Financial wellbeing is often a balancing act that many Australians find challenging. In an age where the cost of living seems to climb incessantly, managing money effectively has never been more critical. Yet, despite the importance of financial literacy, many individuals struggle to break free from the cycle of poor budgeting and erratic spending habits. - read more
    What to Do If Your Loan Application Is Denied
    What to Do If Your Loan Application Is Denied
    If you're here, you've likely faced the disappointment of having your loan application denied. - read more
    Fueling Your Startup Success: Navigate Business Finance
    Fueling Your Startup Success: Navigate Business Finance
    Launching a startup is an exhilarating journey, filled with the promise of innovation, independence, and growth. However, it also comes with its share of challenges. From planning and execution to funding and scaling, each step requires careful consideration and decisive action. For many aspiring entrepreneurs in Australia, securing the necessary capital is one of the greatest hurdles they face on the path to success. - read more

    Finance News

    ASIC Review Highlights the Need to Question Costlier Loan Recommendations
    ASIC Review Highlights the Need to Question Costlier Loan Recommendations
    28 Oct 2026: Paige Estritori
    ASIC’s 13 October 2026 review of major mortgage broker groups has delivered a timely reminder for borrowers: a loan recommendation should be understandable, evidence-based and clearly connected to the customer’s needs. The regulator found that broker practices generally aligned with its guidance, but also identified gaps in how some higher-cost loan recommendations, supervision processes and complaints were handled. - read more
    Borrowers Remain Resilient, but the RBA Is Watching the Edges
    Borrowers Remain Resilient, but the RBA Is Watching the Edges
    24 Oct 2026: Paige Estritori
    The Reserve Bank of Australia’s October 2026 Financial Stability Review gives borrowers a mixed but useful message: the financial system remains broadly resilient, yet cost pressures, hardship requests and sector-specific business stress are still important warning signs for households and SMEs planning their next finance decision. - read more
    Why loan purpose can still change the rate you pay
    Why loan purpose can still change the rate you pay
    16 Sep 2026: Paige Estritori
    Recent personal and vehicle loan rate updates are reinforcing a practical message for Australian borrowers: the reason you borrow, the asset involved and the strength of your application can still make a meaningful difference to the price you are offered. - read more
    Why SME Borrowers Still Need to Shop Carefully for Finance
    Why SME Borrowers Still Need to Shop Carefully for Finance
    09 Sep 2026: Paige Estritori
    The latest Reserve Bank lending-rate data gives Australian small business owners another reason to look beyond the first offer on the table. While business credit has continued to expand through 2026, the price paid by smaller borrowers remains highly dependent on loan structure, security, trading history and lender appetite. - read more
    Business Credit Is Still Moving Despite Rate Pressure
    Business Credit Is Still Moving Despite Rate Pressure
    02 Sep 2026: Paige Estritori
    The Reserve Bank’s latest financial aggregates add another chapter to the borrowing story that has been building through 2026. The July update indicates that private sector credit is still expanding, with business lending remaining an important source of momentum. For SMEs, sole traders and self-employed borrowers, this extends the pattern seen in the earlier June credit data: demand for funding has not disappeared, even while interest rates and lender scrutiny continue to shape approval outcomes. - read more

    Knowledgebase
    Bridging Finance:
    A short-term loan that covers a financial shortfall during time between the purchase of a new property and the sale of an old property.


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