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    Balloon Payment.:
    A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in the future

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    No Credit Check

    Compare rates for home loans, car loans, personal loans, boat, truck and business finance - without accessing your credit file!
    Unlike most online loan offers, lodging your enquiry with us here on this website will not require a credit check - nor will it create adverse entries on your credit file.
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    Unsecured personal loans
    The following information is specific to unsecured personal loans.
    Minimum period for repayment 6 months, maximum period 5 years.
    The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.
    For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.
    Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

    Finance Articles

    See why the best mortgage is a simple mortgage
    Mortgages come with many options. Do you need them all? Most probably not. Keep the mortgage very simple and know when to take on extra options. read more

    Personal Loans And The Consumer Credit Code
    Understanding your rights as a consumer is essential in dealing with complex issues like personal loans and other finance. Here we reveal, in simple terms, how the Credit Code... read more

    10 Tips - How to reduce your mortgage
    Anyone who has ever had to pay off a mortgage will tell you they would love to pay it off before the term, but most people will continue to chip away at their loan on autopilot. A... read more

    Why Personal Loans up to $5,000 Are No Problem, Even With a Poor Credit Rating
    Approval on a personal loan of $5,000 is by no means secured easily, but nor should rejection be expected. So long as the criteria and calculations are okay, there is a strong chance. read more

    Home Loan Refinancing - the Pros and Cons
    AUSTRALIANS reckon a change is as good as holiday, and some homeowners are pulling out all stops to prove it. read more

    5 Credit Killers
    A good credit score speaks volumes about your financial habits. It's the evidence most creditors need to evaluate your credit worthiness. Interestingly, there are some credit killers?... read more

    Financial Oppression
    Here is why so many people are in despair and suffering emotional problems related to debt. A candid explanation of how interest affects your daily life. read more

    Credit - Your Friend or Foe?
    Let’s investigate the difference between money and credit. When either will buy those wicked sunnies or cute earrings, the difference can start to become blurry. read more

    Bad Credit? You Might Still Get a Mortgage to Buy a House
    Unfortunately bad credit can haunt you for the rest of your life. If there are bankruptcies or foreclosures on your credit report, you know how hard it is to get any line of credit. read more

    Debt Consolidation Loans: The Basics
    It might be out of your control but you are behind on bills. You have done everything in your power to keep up with them, but they seem to keep piling up. Maybe you are unemployed... read more


    Finance News

    Personal Loans to help Australians in need: FSO
    Oct 29 :: As Australia prepares to clean up following devastating fires and floods, Financial Services Online CEO, Andrew Clark, has announced a package of personal finance solutions designed... read more

    Small business loans to help Aussie businesses through tough times
    Nov 27 :: Financial Services Online has today announced a new credit facility for Australian business customers who are seeking loans for amounts of up to $10,000 with minimum security requirements,... read more

    Police issue warning about bank scam
    Nov 20 :: Melbourne police are warning people about a scam in which fraudsters pose as bankers and ask for money.They say they cold call customers and tell them they have been overcharged... read more