A personal loan puts funds in your own bank account to use how you need, whether that is consolidating debt, buying a car, paying for a wedding or renovating. The rate is priced on your profile, not the thing you are buying, so for a strong profile it can sit close to a secured car loan.
At Fox Finance Group, our role as your Personal Lending Specialist is to find and tailor the best personal loan solutions with competitive rates and flexible repayments. With access to over 50 trusted lenders, we can match you with the right loan to suit your needs.
A personal loan is a set amount you borrow and repay over a fixed term, with the funds paid into your own account to use as you need. Plenty of people still treat it as a last-resort or “bad” type of finance. In practice it is one of the more flexible options going: quick to arrange, priced on your profile, and usually free to pay out early. For the right borrower it can price close to a secured car loan, so the old assumption that a personal loan always means a steep rate does not hold up.
It suits a one-off cost you would rather clear over a few years than carry on a credit card. Because the money lands in your account, you are not locked to a single purchase or a single supplier. You decide what it is for.
There is no separate product for each purpose. The same personal loan covers most one-off costs. The ones we arrange most often are:
An unsecured personal loan is the usual starting point. Nothing is held as security, so it is priced on your profile alone: your income, your commitments and your track record set the rate and the amount. A secured personal loan adds a vehicle you own as security. That lowers the lender’s risk, which usually means a lower rate and a higher maximum lend. Either way, the funds go to your account to use as you planned.
The honest answer is that it depends on your profile, so there is no single rate we can put in front of you up front. What we can tell you is what drives the cost: your income, your existing commitments, the loan term you choose, and whether you add security. A longer term lowers the weekly repayment but adds interest over the life of the loan. A shorter term does the reverse. We show you the repayment in dollars across a few different structures, so you can see the trade-off before you commit.
To get a feel for the numbers yourself, you can work out a repayment on our personal loan calculator.
Often, yes. If you own a vehicle outright, offering it as security lowers the lender’s risk. In practice that can bring the rate down and lift the maximum a lender will consider, commonly by around $20,000 to $30,000, depending on your profile and borrowing capacity. It is the usual move when an unsecured loan does not quite reach the amount you need, or when you are after a sharper rate. You still get the funds in your account to use as you planned.
Bad credit does not rule you out on its own, though it does change which lenders will look at you and usually means a higher rate. Specialist lenders assess where you sit today alongside your history, so a paid default or a rough patch from a few years back does not have to end the conversation. What matters is the story behind the file: what happened, what you did about it, and how stable things are for you now. We go into this in depth on our bad credit personal loans page.
A few specific things move the needle before you apply.
The process is straightforward, and most of the work sits with us. To get started you need two things: photo ID, and proof of income such as recent payslips or bank statements. From there the steps are simple.
One of the biggest reasons people come to us is for debt consolidation loans. We offer fixed low rates, an easy online application process, and approval within 24 hours. We’ll compare hundreds of loans and offer you terms that work for you. We even offer a repayment calculator that will help you determine what your new loan payment would be.
Debt consolidation loans from Fox Finance Group are a great way to take multiple debts, some of which may have high interest, and pay them off. Then, you’ll have them on one payment that is easier to manage and pay off without accruing more interest.
Learn More About Debt Consolidation Loans
We have access to hundreds of different products when it comes to travel loans from our Lender panel here at Fox Finance Group. Whether you’re planning to book a trip around the world or that dream vacation in Italy, our Personal Lending Specialists will ensure you get the best loan solutions at the lowest rates possible.
Our customers trust us because we have access to the best lenders with the lowest rates possible. We provide loan pre-approvals so you can easily plan for your next holiday with the peace of mind knowing you’re eligible for the loan, should you wish to proceed.
Learn More about Travel Loans
Have you and your loved one been losing sleep over that special day, wondering how you’ll pay for it? It doesn’t have to be this way. We’ve worked with hundreds of people in your situation. Rest assured, we have the experience and knowledge to help you.
Planning a wedding should be a wonderful experience, but the average Australian wedding costs as much as $36,000. Not everyone can afford this, but having low rate personal loans from Fox Finance Group can make it possible.
We offer same day loan approvals, one low fixed rate for the entire life of the loan, and various repayment options.
Learn More about Wedding Loans
Many people dream of having a pool in the backyard. It could be the ideal oasis for you and your family. Funding your pool project is a whole different story, but it’s all possible with Fox Finance Group.
We offer a “swim now pay later” finance option that gives you your money on the same day as your application with no obligations. You could literally start planning the construction of your pool the same day you fill out the application if you’re approved.
We offer flexible payment options with no early payment penalties. Of course, our low rate personal loans have some of the best interest rates on the market. We’ll do all the running around for you so all you need to worry about is what color beach chairs to buy for around the pool.
Learn More about Pool Loans
A solar loan is a type of loan that allows homeowners to finance the installation of a solar panel system for their home. These loans are designed specifically for solar energy projects and can be used to purchase, install, and maintain a solar panel system.
A solar loan works like a traditional loan, where the borrower receives a lump sum of money upfront and then repays the loan with interest over a set period of time.
One of the benefits of a solar loan is that it allows homeowners to own their solar panel system outright, which can result in significant savings over time. Homeowners can save money on their electricity bills by generating their electricity from the sun and can also benefit from tax credits and incentives for renewable energy.
Another benefit of a solar loan is that the loan payments can be structured to match the energy savings from the solar panel system. This means that homeowners can use the savings from their reduced electricity bills to repay the loan, making the loan payments more manageable and affordable.
Learn More about Solar Loans
A bad credit loan is a type of loan designed for individuals with poor credit histories or low credit scores. These loans are typically offered by specialised lenders who are willing to lend to borrowers with less-than-perfect credit.
Borrowers with bad credit scores or poor credit histories may find it challenging to obtain a traditional loan from a bank or credit union. Bad credit loans, however, offer these borrowers a chance to access funds for personal or business needs, albeit often with higher interest rates than traditional loans.
If you have less than perfect credit history, the team at Fox Finance Group can help you secure a loan with a bad credit lender in Australia.
Learn More about Bad Credit Personal Loans
One of the biggest reasons people come to us is for debt consolidation loans. We offer fixed low rates, an easy online application process, and approval within 24 hours. We’ll compare hundreds of loans and offer you terms that work for you. We even offer a repayment calculator that will help you determine what your new loan payment would be.
Debt consolidation loans from Fox Finance Group are a great way to take multiple debts, some of which may have high interest, and pay them off. Then, you’ll have them on one payment that is easier to manage and pay off without accruing more interest.
Learn More About Debt Consolidation LoansWe have access to hundreds of different products when it comes to travel loans from our Lender panel here at Fox Finance Group. Whether you’re planning to book a trip around the world or that dream vacation in Italy, our Personal Lending Specialists will ensure you get the best loan solutions at the lowest rates possible.
Our customers trust us because we have access to the best lenders with the lowest rates possible. We provide loan pre-approvals so you can easily plan for your next holiday with the peace of mind knowing you’re eligible for the loan, should you wish to proceed.
Learn More about Travel LoansHave you and your loved one been losing sleep over that special day, wondering how you’ll pay for it? It doesn’t have to be this way. We’ve worked with hundreds of people in your situation. Rest assured, we have the experience and knowledge to help you.
Planning a wedding should be a wonderful experience, but the average Australian wedding costs as much as $36,000. Not everyone can afford this, but having low rate personal loans from Fox Finance Group can make it possible.
We offer same day loan approvals, one low fixed rate for the entire life of the loan, and various repayment options.
Learn More about Wedding LoansMany people dream of having a pool in the backyard. It could be the ideal oasis for you and your family. Funding your pool project is a whole different story, but it’s all possible with Fox Finance Group.
We offer a “swim now pay later” finance option that gives you your money on the same day as your application with no obligations. You could literally start planning the construction of your pool the same day you fill out the application if you’re approved.
We offer flexible payment options with no early payment penalties. Of course, our low rate personal loans have some of the best interest rates on the market. We’ll do all the running around for you so all you need to worry about is what color beach chairs to buy for around the pool.
Learn More about Pool LoansA solar loan is a type of loan that allows homeowners to finance the installation of a solar panel system for their home. These loans are designed specifically for solar energy projects and can be used to purchase, install, and maintain a solar panel system.
A solar loan works like a traditional loan, where the borrower receives a lump sum of money upfront and then repays the loan with interest over a set period of time.
One of the benefits of a solar loan is that it allows homeowners to own their solar panel system outright, which can result in significant savings over time. Homeowners can save money on their electricity bills by generating their electricity from the sun and can also benefit from tax credits and incentives for renewable energy.
Another benefit of a solar loan is that the loan payments can be structured to match the energy savings from the solar panel system. This means that homeowners can use the savings from their reduced electricity bills to repay the loan, making the loan payments more manageable and affordable.
Learn More about Solar LoansA bad credit loan is a type of loan designed for individuals with poor credit histories or low credit scores. These loans are typically offered by specialised lenders who are willing to lend to borrowers with less-than-perfect credit.
Borrowers with bad credit scores or poor credit histories may find it challenging to obtain a traditional loan from a bank or credit union. Bad credit loans, however, offer these borrowers a chance to access funds for personal or business needs, albeit often with higher interest rates than traditional loans.
If you have less than perfect credit history, the team at Fox Finance Group can help you secure a loan with a bad credit lender in Australia.
Learn More about Bad Credit Personal Loans
Enjoy the peace of mind that you're considering purchases within your budget.
You can complete your personal loan application either online or over the phone with us.
We will ask you to provide proof of income and identification.
We'll discuss all components of your personal loan approval with you. From interest rate, to repayments, loan term, and any fees involved; you'll know the details inside out!
With our technology, you can simply sign your personal loan documents electronically.
Your loan funds will be available to you within one business day. It's that simple!
You can complete your personal loan application either online or over the phone with us.
We will ask you to provide proof of income and identification.
We'll discuss all components of your personal loan approval with you. From interest rate, to repayments, loan term, and any fees involved; you'll know the details inside out!
With our technology, you can simply sign your personal loan documents electronically.
Your loan funds will be available to you within one business day. It's that simple!
You can complete your personal loan application either online or over the phone with us.
We will ask you to provide proof of income and identification.
We'll discuss all components of your personal loan approval with you. From interest rate, to repayments, loan term, and any fees involved; you'll know the details inside out!
With our technology, you can simply sign your personal loan documents electronically.
Your loan funds will be available to you within one business day. It's that simple!
Take control of your borrowing & repayment potential and start exploring the possibilities today!
as a Financial Services Group helping customers Australia wide
of processed applications for everyday Australians and SME businesses
applications since 2006 and growing
out of 5 by our customers on Google
Our personal loan pre-approval process costs you nothing and commits you to nothing. We work hard for you to present you with the best personal loan options on the market today that will save you money – then you get to make the final decision on which loan is right for you.
As a finance broker we only win when you win, so we look at every possible legal way to obtain your loan from one of our many lenders. Personal lenders consider things such as:
Yes, in most cases personal loans will be unsecured. Interest rates for these can be either fixed or variable and are very competitive in today’s market. Personal loans can be used for: Holidays, Car Purchases, Jet Skis or Boats, Debt Consolidation, Home Renovations, Wedding Expenses, Furniture and more.
Yes. Secured personal loans can be used if you don’t qualify for an unsecured personal loan. Minimum secured personal loan is $5,000. (Classic, import, prestige vehicles, and older trucks will be considered). The finance will be secured by your vehicle giving the lender a high level of confidence in your willingness to repay the loan.
Usually just a few hours, however complex or difficult personal loan applications can take a few days. With the wonders of modern technology you can now sign your finance documents online, which makes the process of getting access to your funds much faster.
