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Personal loans
Apt Wealth Finance, powered by Acceptance Finance
A flexible way to finance the things that matter
Planning a holiday, a car, or a smaller renovation? A personal loan is a versatile way to cover the cost. We help you compare secured and unsecured options so you land on the one that suits your situation.
Match the loan to your plans
Personal loans are commonly used for travel, a vehicle, medical costs, debt consolidation or smaller home renovations. Terms usually run from one to seven years, and the term you choose directly shapes your repayments and the overall cost.
Lenders assess your credit rating, income and employment to decide your rate and terms. We help you compare across lenders so you secure a competitive, well-suited loan rather than the first one you’re offered.
How we help with a personal loan
From first conversation to long after settlement, here is how your broker works with you.
1
Talk through your plans
Tell us what you’re financing and your budget, and we’ll work out what suits.
2
Compare the options
We compare secured and unsecured loans across lenders on rate, term and fees.
3
Recommend and apply
You get a clear recommendation, then we handle the paperwork and application.
4
Stay in touch
We’re here for the life of the loan and for whatever you’re planning next.
Secured or unsecured?
The right choice comes down to your assets, rate and risk comfort.
Unsecured loans
No collateral required, so they’re accessible without pledging assets. Rates are typically higher, and your credit rating plays a big role in the rate you’re offered.
Secured loans
Backed by an asset such as a car, caravan or savings, which usually means a lower rate. Just be aware the asset is at risk if the loan isn’t repaid.
Common uses
Travel, a vehicle, medical costs, debt consolidation and smaller home renovations are all common reasons clients come to us.
Compared across lenders
We compare rates, terms and conditions across lenders so you get a tailored, competitive result.
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Giulia Polizzi
Giulia Polizzi
Finance Broker – Vehicle & Equipment
Giulia Polizzi is Acceptance Finance's Vehicle and Equipment Finance specialist, and the main point of contact for car, plant and equipment finance across the business.
Balwyn, Melbourne
What our clients often ask us
Should I choose a secured or unsecured personal loan?
Secured loans usually offer lower rates because they’re backed by an asset, but that asset is at risk if you can’t repay. Unsecured loans need no collateral but typically cost more. We’ll weigh your situation, goals and risk comfort with you.
How long can a personal loan run?
Usually one to seven years, depending on the lender. A longer term lowers your repayments but increases the total interest you pay, so it’s a balance we’ll help you strike.
What do lenders look at?
Mainly your credit rating, income and employment status, which together shape your rate and terms. We’ll help you present your situation in its best light.
Can a personal loan help me consolidate debt?
It can, though a home loan is often cheaper for larger consolidations. We’ll compare the options and tell you honestly which makes more sense for you.
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Find a personal loan that fits
Book a no-obligation chat and we’ll compare your options so you borrow on the right terms.
Prefer to talk now? Call us on 1800 801 277
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