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    Debt Consolidation:
    Debt consolidation usually involves negotiating a new loan to pay other existing loans in order to get more favourable interest rates and terms.

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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.
    Just fill out our quick No Credit Check Finance quote request application for unrestricted access to the best Finance rates and product information from a comprehensive cross-section of the country`s premier and best known Finance specialists ... without accessing 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

    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.... read more

    Getting Rid of Your Debt Troubles
    People borrow for a variety of reasons. But as long as they are able to meet repayment obligations, things are fine. Trouble erupts when commitments go awry and payment defaults... 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 things to consider before making a final decision.... read more

    Credit Card Secret Guarantee
    Most people use credit cards in some form or another but few truly appreciate one of the special features of credit cards that make using their credit card to insure their purchases. read more

    The Enjoyable Road to Debt Freedom
    With summer coming up, some of us are braving the high fuel prices and driving to family gatherings or favorite vacation spots. What route would you take? Any experienced road traveler... 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 true. Many financial planners and other financial... read more

    Double your deposit in half the time
    Saving is never an easy thing to do and saving for a deposit on a home is twice as hard. However, with the right strategy in place, your savings can grow and grow, cutting the waiting... read more

    Tackle Bad Credit With These Simple Ideas!
    Bad credit can make it difficult to do business with certain types of companies. Poor credit impacts your ability to move forward with your life. However, there is hope -- you can... read more

    Credit Cards: Reasons Why Your Credit Rating May Drop
    Credit rating plays a very important role in determining the creditworthiness of an individual. Most people, however, face the dilemma of having low credit rating. There are several... read more

    Managing Credit Card Debt

    If you are struggling with credit card debt - or want to avoid credit card pitfalls, you are not alone. Managing... 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