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How to choose a Personal Loan in Australia

Personal Loans in Australia

Choosing a Personal Loan

A personal loan can be used to fund extra purchases and expenses; however, choosing the right one will greatly depend on your needs and affordability. Interest rate is the first thing, ongoing or upfront fees is the second most important thing to look at. Consider the flexibility of the loan to pay off as quickly as possible. At Loans Direct, we make it easier for you by comparing different loan offers, interest rates and types of personal loans available from top Australian lenders.
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Comparing Personal Loans

Search, compare and apply for a personal loan here. Our comparison tools, interest rates charts, personal loan calculator and borrower’s guides are there to help you make an informed decision. Choosing the right one will potentially save money on interest and fees over the loan term, but a wrong one can make you shed extra dollars. Narrow down your search by comparing personal loans that caters to your preferences and needs.
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When your needs are different, Personal Loans are different

Unsecured Personal Loans

An unsecured personal loan is widely available in Australia. Since, it is not secured by a collateral and the lender does not hold security over any of your assets, it is important to consider the interest rate as well as the fees and other charges payable by you.

This type of loan can be used for any worthwhile purpose, such as-

  • To buy a car
  • To go on a holiday
  • For meeting up wedding expenses
  • For debt consolidation
  • To buy or repair any household stuff

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Secured Personal Loans

A secured personal loan is believed to be risk-free, borrowed in lower rate of interest. If you want to buy a new vehicle, this type of personal loan is most suitable. However, this loan is not for all types of vehicles. You will be offered secured car finance only on new and recent model of cars/vehicles.

Keep in mind that since the loan is secured, the lender holds the rights to take the possession of your motor vehicle, if you default on repayments.
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