Finance has changed, for the better!
get the finance you deserve today, fast and 100% online from all the lenders you know and trust
*Does not affect your credit score





Caravan Loan
Car Finance
Home Improvements
Boat Loan
Debt Consolidation
Great rates. No obligation



Personal Loan Rates
Our job is simple; Get you the funds you need, when you need it and at the best rate in the market.
With access to the lowest Personal Loan Rates in Australia, we have nothing but great deals from all the lenders you know and trust.
No Obligations
We will find you the absolute best rate possible based on your credit score.
It is completely up to you whether or not you accept the rate and terms. Not happy, there is no fee to walk away.
*Does not affect your credit score
Any purpose
We have lenders that can assist for any worthwhile purpose.
Have some tax you need to pay out, complete some home improvements or consolidate some loans and credit cards? we can assist
Let’s compare apples with apples
Our job is to get our clients the lowest rates possible, based on your credit score.
93% of all quotes we receive for our clients, are below that of the major banks.
With rates starting at 5.95%* p/a it is in your best interest to help us get you a better deal.
*Does not affect your credit score
- 5.95%*
- 13.50%*
- 11.99%*
- 12.69%*
- 12.45%*
*Rates as of 1st August 2020. The rates are based on the advertised rates of the major lenders vs rates obtained by the team at www.financemi.com.au for their clients. The rates assume applicants with strong credit.
how we get moving.

step 1.
Super-fast Application
100% online application, takes just seconds to make an enquiry.

step 2.
Application review
Apply today and often receive an answer within 24 hours.

step 3.
Funds transferred
90% of customers receive their funds within 48 hours .




rated excellent – 4.7 out of 5.
this is what people are saying;


simple and fast.
I want to thank you for making this process easy and simple to understand.
I thought it was going to be very difficult to have a loan accepted after my bank knocked me back but you managed to get it done within days.
I will definitely pass on your details to anyone I know
Thank you
A Alet.


absolutely awesome.
Absolutely awesome, can not thank Cameron enough for everything he has done, we had a complicated situation but nothing was to hard, quick response either by phone or email, quick and easy process.
If your looking for a loan give these guys a go, highly recommended
John.


professionalism at it’s best.
I started my initial contact on a Friday afternoon and the loan was settled on Monday afternoon.
Michael Lim set the requirements out in crystal clear terms, followed up with a call (no beating around the bush).
The loan was approved with a super competitive interest rate. Great experience and outcome!
Thank you Mr Lim!
M Ramasubramania.
see more fully verified reviews – click here
in funding to date;
Calculate your repayments.
It’s a great idea to have some sense of what your loan repayments will be.
At financemi, we are all about transparency and making sure that our clients get the best deal possible, that matches their affordability.
Common questions and more;
-
The maximum you can borrow is dependent on your credit file, as well as your ability to repay the loan*
Loan amounts are typically from $5,000 to $50,000 unsecured or higher with some security (car or motorbike), typically the maximum secured loan is $70,000
Loan amounts are subject to your credit file score and a number of other factors, but we will take care of all of that for you.
-
It is a hard question to answer, because it depends on the complexity of your application and how quickly you provide us with the supporting documents. The quicker you get us everything we need the quicker we can finalise.
On average our clients receive the funds in 24-48 hours … the quickest loan we have ever completed was 6 hours from first discussion to settlement and funding.
-
The standard documents that we require is a drivers license (certified), 2 payslips and our online application form completed. This only takes less than 5 minutes but will provide us with all the information we need to make sure you are eligible for a personal loan – you can complete it here www.financemi.com.au/application
It is worth noting that every lender has slightly different requirements and may need additional documents, but we will advise accordingly once we have reviewed your requirements and selected a lender.
-
When you apply with us it does not affect your credit score.
It will only affect your score once your application is lodged with the lender for approval.
-
Terms range from the minimum of 18 months through to 7 years.
-
We specialise in providing finance for individuals who are self-employed. In order to be eligible to apply for a personal loan, your business’ ABN must have been registered for a minimum of 12 months (and) you must be able to provide either your ATO issued Individual Notice of Assessment or we have a Lite-Doc option that requires confirmation of year to date income via your accountant.
Personal loans must generally be used wholly for an accepted personal purpose(s), however we do have a lender on our panel that will accept business purpose.
-
We may be able to assist, but the basics are that nearly all personal loan lenders in Australia require their clients to have a good credit score. When we review your application the first thing we do is review your credit file (we have no impact on the score). If you have a poor score we will advise accordingly with your options.
Low scores can indicate to a lender that you either have a poor repayment history, make multiple applications to different lenders or have bad credit, such as defaults or previous bankruptcy.
If you are worried about your credit score you can apply to equifax for a free copy of your report.
*does not affect your credit score
or send us your mobile number and we will contact you;
*will not affect your credit score
IMPORTANT INFORMATION
All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 6.49%pa to 22.95%pa
*Comparison rates are based on a loan of $30,000 over 5 years.
WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly
*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.
© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd
Personal loans have changed
get the personal loan you deserve today
*Does not affect your credit score
Great rates. No obligation

Unbelievable Rates
Our job is simple; Get you the funds you need, when you need it and at the best rate in the market.
With access to the lowest Personal Loan Rates in Australia, we have nothing but great deals from all the lenders you know and trust.

No Obligations
We will find you the absolute best rate possible based on your credit score.
It is completely up to you whether or not you accept the rate and terms. Not happy, there is no fee to walk away.

Any purpose
We have lenders that can assist for any worthwhile purpose.
Have some tax you need to pay out, complete some home improvements or consolidate some loans and credit cards? we can assist
*Does not affect your credit score
Let’s compare apples with apples
93% of all quotes we receive for our clients, are below that of the major banks.
With rates starting at 5.95%* p/a it is in your best interest to help us get you a better deal.
- 5.95%*
- 13.50%*
- 11.99%*
- 12.69%*
- 12.45%*
*Rates as of 1st August 2020. The rates are based on the advertised rates of the major lenders vs rates obtained by the team at www.financemi.com.au for their clients. The rates assume applicants with strong credit.
*Does not affect your credit score
how it works.

step 1.

Super-fast Application
100% online application, takes just seconds to make an enquiry.

step 2.

Application review
Apply today and often receive an answer within 24 hours.

step 3.

Funds transferred
90% of customers receive their funds within 48 hours .

rated excellent – 4.7 out of 5.
this is what people are saying;


simple and fast.
I want to thank you for making this process easy and simple to understand.
I thought it was going to be very difficult to have a loan accepted after my bank knocked me back but you managed to get it done within days.
I will definitely pass on your details to anyone I know
Thank you
A Alet.


absolutely awesome.
Absolutely awesome, can not thank Cameron enough for everything he has done, we had a complicated situation but nothing was to hard, quick response either by phone or email, quick and easy process.
If your looking for a loan give these guys a go, highly recommended
John.


professionalism at it’s best.
I started my initial contact on a Friday afternoon and the loan was settled on Monday afternoon.
Michael Lim set the requirements out in crystal clear terms, followed up with a call (no beating around the bush).
The loan was approved with a super competitive interest rate. Great experience and outcome!
Thank you Mr Lim!
M Ramasubramania.
see more fully verified reviews – click here
in funding to date;
Common questions and more;
-
The maximum you can borrow is dependent on your credit file, as well as your ability to repay the loan*
Loan amounts are typically from $5,000 to $50,000 unsecured or higher with some security (car or motorbike), typically the maximum secured loan is $70,000
Loan amounts are subject to your credit file score and a number of other factors, but we will take care of all of that for you.
-
It is a hard question to answer, because it depends on the complexity of your application and how quickly you provide us with the supporting documents. The quicker you get us everything we need the quicker we can finalise.
On average our clients receive the funds in 24-48 hours … the quickest loan we have ever completed was 6 hours from first discussion to settlement and funding.
-
The standard documents that we require is a drivers license (certified), 2 payslips and our online application form completed. This only takes less than 5 minutes but will provide us with all the information we need to make sure you are eligible for a personal loan – you can complete it here www.financemi.com.au/application
It is worth noting that every lender has slightly different requirements and may need additional documents, but we will advise accordingly once we have reviewed your requirements and selected a lender.
-
When you apply with us it does not affect your credit score.
It will only affect your score once your application is lodged with the lender for approval.
-
Terms range from the minimum of 18 months through to 7 years.
-
We specialise in providing finance for individuals who are self-employed. In order to be eligible to apply for a personal loan, your business’ ABN must have been registered for a minimum of 12 months (and) you must be able to provide either your ATO issued Individual Notice of Assessment or we have a Lite-Doc option that requires confirmation of year to date income via your accountant.
Personal loans must generally be used wholly for an accepted personal purpose(s), however we do have a lender on our panel that will accept business purpose.
-
We may be able to assist, but the basics are that nearly all personal loan lenders in Australia require their clients to have a good credit score. When we review your application the first thing we do is review your credit file (we have no impact on the score). If you have a poor score we will advise accordingly with your options.
Low scores can indicate to a lender that you either have a poor repayment history, make multiple applications to different lenders or have bad credit, such as defaults or previous bankruptcy.
If you are worried about your credit score you can apply to equifax for a free copy of your report.
IMPORTANT INFORMATION
All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 6.49%pa to 22.95%pa
*Comparison rates are based on a loan of $30,000 over 5 years.
WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly
*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.
© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd