Personal loans, made simple
Personal loans from $5,000 to $50,000 unsecured with bells & whistles
We get you the funds, when you need it!
We have been in Finance for 40 + Years and are Australia’s leading Personal Loan Broker
Really this all just means that we have access to all the lenders you know and trust, as well as some you may never heard of. Put simply … we know who will get you the funds at the best possible rates and terms and when you need it
Personal loans with all the options you need
Interest Rates Starting from 6.99%*
Loans from $5,000 to $70,000
Loan Terms from 2 Years to 7 Years
Unsecured and Secured Loans
Lite Doc Self Employed Loans
Additional Repayments
$0 to Low Early Repayment Fees
Flexible Repayment Option
How it Works:
Complete our no obligation application in 2 Minutes
We call to discuss your options within 2-Hours
Your loan settles and you get the funds
Calculate 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.
Do You Qualify?
Must have regular Income from Employment
No Bad Credit or Credit Scores Below 500
Not Currently Bankrupt
We love client feedback
Simple & 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
Awesome Result
My wife and I have really been blown away by such a quick turn around time ending in a such a great result. We cannot still believe it. My wife was like wow wow wow! That was quick!
We are really really grateful and we cannot thank you enough for such an amazing and one of a kind customer service!
O-Kumah
Click “here” to see more examples of over 280 5-star reviews this year
Do you have more questions?
-
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 have the largest panel of lenders available to us in Australia. Lenders you know and trust as well as some you may never heard of.
What this means is that we have a lender for nearly every scenario. Here are just some of the lenders on our panel:
-
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.
-
Great question. We can provide interest rates from 8.95% through to approximately 16.95%*
In most cases we can provide you the interest rate and terms upfront, all without affecting your credit score!
Please note: The end interest rate is decided by the lender and based on a number of factors including your history, credit score, stability in job and address.
The more stable you are the better your interest rate is the golden rule.
will not affect your credit score
Have questions?
we have the answers
Click to Chat Live via WhatsApp:
Your privacy is extremely important to us. All information is kept completely secure and confidential.
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 8.95%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, made simple
Personal loans from $5,000 to $50,000 unsecured with bells & whistles
Does not affect your Credit Score*
Get the funds, when you need it!
We have been in Finance for 40 + Years and are Australia’s leading Personal Loan Broker
This just means that we have access to all the lenders you know and trust, as well as some you may never heard of
Calculate repayments!
Personal loans with all the options you need
Loans from $4,000 to $70,000
Additional Repayments
$0 to Low Early Repayment Fees
Loan terms from 2 to 7 Years
Interest Rates start at 8.95% p/a*
Unsecured and Secured Options
Self Employed Lite Doc Options
Flexible Repayment Options
How it Works:
Complete our no obligation application in 2 Minutes
We call to discuss your options within 2-Hours
Your loan settles and you get the funds
Do You Qualify?
You must have regular Income from a Job or your Business
We can’t help with bad credit or credit scores below 500
Not currently Bankrupt or under part IV debt agreement
We love client feedback
Simple & 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
Awesome Result
My wife and I have really been blown away by such a quick turn around time ending in a such a great result.
We cannot still believe it. My wife was like wow wow wow! That was quick!
We are really really grateful and we cannot thank you enough for such an amazing and one of a kind customer service!
O-Kumah
Click “here” for more reviews
Do you have more questions?
-
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 have the largest panel of lenders available to us in Australia. Lenders you know and trust as well as some you may never heard of.
What this means is that we have a lender for nearly every scenario. Here are just some of the lenders on our panel:
-
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.
-
Great question. We can provide interest rates from 8.95% through to approximately 16.95%*
In most cases we can provide you the interest rate and terms upfront, all without affecting your credit score!
Please note: The end interest rate is decided by the lender and based on a number of factors including your history, credit score, stability in job and address.
The more stable you are the better your interest rate is the golden rule.
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 8.95%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