Make it Happen with a Personal Loan
Whether you’re planning a dream holiday, buying new furniture, covering uni fees, or preparing for a wedding — we’re here to help bring your plans to life.
Our 6-Step Loan Process
We make it simple, fast, and stress-free. Here’s how it works:
1. Get in Touch
Reach out to us online or in person to discuss your financial goals and where you’re at.
2. We Do the Research
We compare lenders and shortlist the best loan options to suit your needs.
3. Know Your Position
Once you’ve chosen a lender, we’ll arrange pre-approval so you know how much you can borrow and what your repayments will look like.
4. Get Ready
With pre-approval sorted, you’re free to lock in your plans confidently.
5. Secure the Loan
We handle all the paperwork and legwork to finalise your loan with the lender.
6. You’re Good to Go
Book that trip, pay the fees, buy the car — whatever you’re planning, now’s the time to make it happen.
Loan Types & Features
There are different types of personal loans with features to suit different situations. Whether you want fixed repayments, flexible access to redraw, or something secured — we’ll help you find what fits.
(See below examples like Secured, Unsecured, Fixed Rate, and Variable Rate.)
Secured Loans
You offer an asset—like your car or home—as collateral for the loan. This gives the lender security if you can’t repay.
Because there’s less risk for the lender, secured loans usually come with lower interest rates than unsecured loans.
Unsecured Loans
You don’t need to provide any collateral. Instead, the lender looks at your credit history to decide if you qualify.
These loans often have higher interest rates and lower borrowing limits compared to secured loans.
Fixed Rate Loans
Your interest rate and repayments stay the same for the entire term of the loan.
This gives you certainty and makes budgeting easier.
Variable Rate Loans
The interest rate can go up or down over time.
This gives you flexibility—like making extra repayments or accessing redraw facilities—but also means your repayments can increase.
Personal Loan FAQS
What can I use a personal loan for?
Almost anything. Most people use personal loans to consolidate credit card debt at a lower rate, fund home improvements, buy a vehicle, cover wedding or funeral expenses, or finance education costs.
Do I need pre-approval for a personal loan?
It’s not required, but highly recommended. Pre-approval gives you clarity on how much you can borrow — and it’s completely obligation-free.
Where to get personal loans in Baldivis
Book a meeting at our convenient Baldivis office or phone call with us
