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Knowledgebase

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

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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

Which Credit Card is Right for You
If you're in the market for a new credit card, there is a bewildering array of cards to choose from. There are even more incentive... read more

Co-Signing Loans - Risky Business
There may come a time in your life when you are asked to co-sign for a loan or credit card. If this is the case, there are several... read more

Home Loans: Is now the right time to refinance?
Interest rates have changed since you took out your home loan and you think it could be time to refinance your existing mortgage ...... read more

Online Savings Account Tips
An online savings account is critical for managing your finances. It offers a good place to keep your savings and is also a good way... read more

The Backwards Logic Behind the Debt Snowball Method
Would it make sense to state that some of the best debt repayment advice is the wrong advice? It seems strange, however it is often... read more

Credit Cards: Identity Theft and Credit Protection
Credit card fraud and identity theft have become widespread not only on the Internet but offline as well. Learn how to avoid these... read more

Why Are Annual Interest Rates So High For Payday Loans
Payday lending is surrounded by confusion and misunderstanding. Critics see high Annual Percentage Rates (APR’s) and deduce that... 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... read more

Knowing 6 types of personal loans will make borrowing easier and save you money
Knowing 6 types of personal loans will make it easier for you do deal with lenders, go from asking for a loan, to I want a novated... read more

Guide To Personal Loans For Debt Consolidation
You can qualify for personal loans for debt consolidation even with bad credit. In fact, debt consolidation loans are meant to help... 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... 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... 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... read more

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