A complete guide to 54 types of loans, helping everyday Aussies and businesses find tailored financing options for vehicles, personal needs, homes, leisure, business, and medical professionals, while protecting your credit score.
Getting a loan doesn’t have to be overwhelming. Whether you’re buying a car, planning a wedding, booking that dream vacation, or growing your business, there are financing options designed to fit your specific needs. The key is finding the right loan that works for your situation and budget.
Here at Fox Finance Group, we want to make it easy for you to understand your options. That’s why we put together a simple guide to all the different loans we can help you with. It’s designed to help you find just what you need, no matter your situation.
Financing solution designed to help you purchase new or used vehicles. Offers structured repayment plans and competitive rates tailored to your financial profile, allowing for manageable repayments.
A car loan designed for purchasing new or used vehicles. Typically, offers fixed interest rates and structured repayment terms, allowing you to budget effectively for repayments.
Used for your purchased vehicle as collateral (also known as security) against the amount you borrowed from your lender. Potentially offering lower interested rates, but your lender can repossess your car if repayments for this loan are not made or you stop communicating with them.
Unsecured car loan doesn’t require your vehicle as collateral (also known as security). Provides more flexibility for your loan since your car is not taken as security but typically comes with higher interest rates to offset the increased risk for a lender.
Interest rate remaining the same throughout your entire car loan term. This provides predictability for your repayments, making it easier for you to budget.
Interest rates vary based on market conditions. Potential to have a lower interest rate at first, but you must be prepared of your repayments increasing if interest rates rise during your loan term.
Repayments are lower, but a large lump sum (the balloon” is due at the end of the loan term. Helps make more expensive vehicles affordable on a monthly basis but requires proper financial planning for the final repayment.
Special financing for your vintage, collector, or classic vehicles. Tailored loan terms that accommodate the unique aspects of your classic car, including potentially higher values and specialised insurance requirements.
Designed for your specific needs. A business car loan offers flexible terms and potential tax advantages.
Purchasing a vehicle through a private seller. Private sale car loans provide you with another option to purchase your vehicle if you don’t want to go through a dealership.
Process of replacing an existing car loan with a new one, typically to get better terms. A refinance car loan can help you obtain lower interest rates, reduce your repayments, or adjust your loan term to better suit your budget.
Specialised options for your four-wheel drive vehicles and SUVs which often come with higher purchase prices. These loans offer longer terms and sometimes specific features to make those more expensive vehicles affordable while taking into account better resale values.
Designed for borrowers with less than perfect credit or previous financial difficulties. Bad credit car loans provide the opportunity for vehicle ownership and to rebuild your credit, despite past credit challenges. These will typically come with higher interest rates to offset the higher lending risk.
Option that allows you to purchase a vehicle without making a down payment. Makes vehicle ownership more accessible but can come with higher repayment and more interest paid over the life of your loan.
Documentation simplified for self-employed or those with non-traditional income sources. Low doc car loans require less paperwork than standard loans but may have higher interest rates to offset the increased risk for a lender due to less documentation required.
Car loan that is approved before you select a vehicle, this establishes a clear budget for car shopping. This will strengthen your negotiating position with dealer and private sellers proving to them you have the funds to purchase the vehicle.
Versatile funding option for a variety of personal needs, from debt consolidation to major purchases. Flexible terms and use of funds provide the freedom to address financial goals.
Doesn’t require collateral (also known as security) and can be used for various purposes like, weddings, travel, home renovations, home furnishings, debt consolidation, equipment for commercial or agricultural use. Unsecured personal loans are approved based on your creditworthiness and potential to have higher interest rates.
Backed by collateral (also known as security) such as your property or vehicle. Most of the time it will be your vehicle. A secured personal loan will have lower interest rates due to the lender having security but can repose your vehicle if you stop making repayments and don’t communicate your situation to them.
Interest rate remains the same throughout your entire loan term. Helps you plan your budget as you will know your exact repayment and not have to worry about it changing due to marketing conditions.
Interest rates will vary depending on market conditions. Normally offers lower initial interest rates but carries the risk of repayments increasing if the market interest rates rise during your loan term.
Specifically designed to combine multiple debts into a single, more manageable payment for yourself. Debt consolidation loans help you secure a lower overall interest rate and simplify your financial obligations by replacing multiple repayments with just one.
Specifically funding travel expense like flights, accommodations, and activities. A travel loan allows you to take that dream holiday with using all your savings.
Designed to cover wedding expenses, from venue costs to catering and attire. With a wedding loan you can celebrate your special day without using all of your savings.
Specialised personal loan for financing your swimming pool installation or renovation, by helping cover upfront costs for pool construction. A pool loan allows you to enjoy your backyard oasis while making manageable repayments.
For the purchase and installation of your solar energy system for residential properties. A solar panel loan helps overcome the initial cost of solar installation, allowing you the benefits from renewable energy while paying off the system over time.
Helps customers with not so perfect credit histories or previous financial difficulties. Bad credit personal loans typically comes with high interest rates due to the increased risk for the lender.
Structured financing for purchasing, building, or renovating your home. Designed with customisable repayment schedules and competitive interest rates to support long-term financial planning.
Lets you replace your current home loan with better terms. Refinancing helps reduce your interest rates, lower repayments, or access extra funds, giving you financial flexibility without the hassle of starting from scratch.
Helps you purchase your first home with confidence. A first home loan makes entering the property market easier, giving you access to financing options and support tailored to new buyers, so you don’t have to wait years to start building your property future.
Helps fund home renovations, repairs, or upgrades to your home. A renovation helps you enhance your property’s value and liability without having to save for the full amount.
Supports your property investment An investment loan helps you grow your portfolio, generate rental income, and build long-term wealth, without needing to rely solely on your savings.
Reviews your current home loan to ensure it’s still right for you. A home loan health check helps identify better rates, optimise your repayment strategy, and secure the best deal, so your home loan works as hard as you do.
Dedicated funding to support leisure activities. Offers flexibility in repayment and can be tailored to suit personal financial circumstances.
Financing for your boat purchase with structures loan terms tailored to marine lending requirements.
Structured loan terms for your jet ski finance, accommodating the specific financial aspects of owning a jet ski.
Customised loan terms to match the unique aspects of caravan finance.
Financing a camper trailer will have loan terms designed to accommodate the unique aspects of camper trailer loans.
Tailored financing for your motorbike purchase with terms designed specifically for motorbike lending.
Broad financing option to provide working capital for your various business needs. Offers flexibility in use of funds and can be structured with terms that align with your business’s financial situation.
Specialised financing for your business needs when it comes to trucks and vehicles, farming and agriculture, mining and construction, aviation, and boating and marine. Transport and equipment loans account for the higher costs and longer operational lifespans of commercial vehicles and terms that align with your business cashflow.
Business financing that doesn’t require collateral (also known as security). Approval based off your creditworthiness. Unsecured business loans offer quicker access to funds and generally come with higher interest rates to offset the lenders increased risk.
Streamlined documentation for your business vehicle purchase. Designed for self-employed individuals or small businesses without extensive financial records. A low doc business car loan require less paperwork than standard business loans but may come with higher interest rates due to limited documentation.
Business vehicle financing with minimal documentation required, normally suited for established businesses that prefer not to provide detail financial statement. No doc business car loans provide convenience and speed but typically come with higher interest rates due to the elevated risk for the lender.
For purchasing franchise rights and establishing new franchise operations. Franchise financing loans consider the proven business model of the franchise when assessing risk, potentially offering more favourable terms than financing an independent startup.
Flexible financing option providing access to fund up to a predetermined limit, allowing your business to draw upon as needed. A business line of credit loan allows a revolving credit arrangement for your business to manage cash flow fluctuations efficiently, paying interest only on the amount currently borrowed.
Financing solution for your business to sell your outstanding invoices to a lender at a discount to receive immediate cash. An invoice funding loan helps you improve cash flow without creating debt, allowing your business to access funds tied up in unpaid invoices without waiting for customer payment.
Broad category of business financing that leverages accounts receivable to improve cash flow. A debtor finance loan gives your business access to a percentage of your outstanding invoice values immediately, helping bridge the gap between completing work and receiving customer payment.
Designed specifically for companies in various trades like plumbing, electrical, or construction. Tradesman loans will consider your unique cash flow patterns and equipment needs of trades businesses, with loan terms structured to accommodate your project-based income.
This loan is for builders and construction companies to fund projects or purchase equipment. Commercial construction loans will accommodate your unique cash flow patterns and construction projects, offering draw-down facilities that release funds at different stages of completion.
Business financing for purchasing office buildings, retail spaces, warehouses, or other commercial real estate. A commercial property loan will typically offer longer loan terms than other business loans, reflecting the substantial investment and loan-term value of commercial property assets.
Specialised financing designed for medical professionals, including doctors, nurses, paramedics, and allied health practitioners. Provides flexible funding options and structured repayment terms to support career development, professional expenses, or personal financial goals.
Specialised financing for healthcare professionals to establish or expand their practices. Loans for Allied Health Professionals recognise your stable income potential and the specialised needs of your healthcare business, often providing favourable loan terms and conditions tailored to the medical field.
Specifically designed for nursing professionals, offering favourable interest rates and loan terms. Finance for nurses acknowledge nurses’ stable employment and income reliability.
Designed for medical doctors that recognise their high earning potential despite potentially high initial debt from medical school. Typically, a finance for doctors loan comes with higher borrowing limits, reduced deposit requirements, and competitive interest rates tailored to doctor’s unique financial situation.
Customised loans for a paramedic and emergency medical professionals, offering loan terms that acknowledge your essential role and stable income. Loans for Paramedics provide flexible approval criteria and competitive rates for various financing needs.
Tailored financing for dental professionals to expand dental practice or purchase a vehicle through a dealership or private seller. Loans for Dentist also have options for equipment costs and specific setup requirements of dental officer, with loan structures that align with your business model.
Specialised finance options physiotherapy professionals looking to establish or expand their practice. Loans for Physiotherapist consider the unique equipment needs and business structure of physiotherapy clinics, offering terms that support your growth and success in the healthcare industry.
Loan products for chiropractic professionals establishing or growing their practices. Loans for Chiropractors can assist with a variety of reasons from car purchases to specific equipment needs with repayments structured to align with the typical cash flow patterns of your practice.
For veterinarians establishing, purchasing, or expanding their animal care facilities. Loans for Veterinarians help with specialised equipment and facility requirements for veterinary practices, and car loans. Offering terms that reflect the stable demand for animal healthcare services.
Whether you’re looking for a new car, planning your dream wedding, or growing your business, we have a loan for you.
Apply now and let your dedicated lending specialist find the best loan for you, while protecting your credit score!
 Rowdie Lang |
Rowdie has been a part of our Team since 2020. He has witnessed firsthand the ongoing evolution of the finance industry as technology continues to change the way customers' access financial services. He has a passion for helping people and relishes the opportunity to work alongside our teams every day as they help our customers financial dreams come true.
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Reviewed by: Nathan Drew ✅ Fact checked 📅 Last updated: Nov 27, 2025 |
