Smart Personal Loans.

We broker personal loans for various needs, including debt consolidation, home improvement, and vehicle purchases. If you can dream it, we can probably do it.

Submit for a quote within a minute! Once you have provided all of the required information we will process and submit your application within hours! We aim for same-day approvals and a speedy settlement. 

Loan approval timeframes are dependent on your circumstances and cannot be guaranteed but we will always be following up with GUSTO!

Interest rates vary based on your credit score and financial situation. We work to find you the most competitive rates. We have a panel of 50+ lenders to choose from.

Yes, bad credit personal loans are our specialty! We have a number of lenders on our panel who will lend based on current behaviours rather than focusing only on past mistakes. 

If you are not yet ready then we can help wth some general guidance for how to improve your credit. 

The short answer is yes, but it will depend on the number, size, and type of defaults. Our expert brokers can provide you with a consultation to find what options are available to you. 

Book your obligation free consultation here.

As part of your initial consultation we will do a “soft credit check”. This does not affect your credit score and will not show as an inquiry on your credit file.

Once we submit your application to a lender they will always complete a full credit check as part of your loan assessment. This will show up as an inquiry.

Yes, some of our lenders will consider Centrelink income when assessing your capacity to make repayments on your car loan. 

However, not all Centrelink income categories are eligible and our brokers can guide you through this.

Yes, many borrowers use personal loans to consolidate high-interest debts into a single, more manageable payment.

Improving your credit score, providing accurate documentation, and demonstrating a stable income can enhance your loan approval chances. Our brokers can offer personalised guidance to strengthen your application.

Yes, you can repay your personal loan early. Some lenders may charge an early repayment fee, so our brokers will help you understand any potential costs involved.