Personal Loans Articles

Relevant Personal Loans articles and tips

Alison Cheung

Finance Writer

How much pet ownership really costs (and where personal loans can help)

Before bringing your furry friend home, consider what the costs might be, and how you plan to pay for those costs in the long term.

Personal Loans

19 Jul, 2020

7 min read

How much pet ownership really costs (and where personal loans can help)

RateCity

Need a personal loan with bad credit? View your loan options

It can be a serious matter to receive a poor credit rating and be black-marked as a poor credit risk, especially if you are looking to take out a mortgage or loan in the future.

Personal Loans

10 Jul, 2018

6 min read

Need a personal loan with bad credit? View your loan options

Nick Bendel

Property & Personal Finance Writer

9 ways to improve your credit score

If you want to learn how to improve your credit score, you’ve come to the right place.

Personal Loans

03 Jul, 2018

7 min read

Mark Bristow

Personal Finance Editor

Can I get a personal loan if I receive Centrelink payments?

Being able to access money fast in an emergency by taking out a personal loan can be tricky if you receive Centrelink payments as part of your income. Although still possible there are some important things to know before signing up for a loan and some other options that may be more appropriate for your situation.

Personal Loans

03 Jul, 2018

5 min read

Can I get a personal loan if I receive Centrelink payments?

Laine Gordon

Head of Public Relations

Loans with no interest attached

As more Australians slip below the poverty line and struggle to make ends meet, our reliance on credit cards and loan sharks has increased, reports suggest.

Personal Loans

03 Jul, 2018

3 min read

RateCity

What are payday loans?

Payday loans, also known as cash loans, small loans, micro loans and short-term loans, are sometimes used as a short-term solution for cash-strapped individuals. They are amounts of up to $2000, with loan terms of up to a year, and have historically attracted very high fees. They have incurred the wrath of both government and lending watchdogs for the extraordinary amounts consumers have been known to repay. Sometimes it’s up to a few hundred per cent of the original borrowing amount. As such, they should be viewed as loans of last resort.

Personal Loans

02 May, 2018

5 min read

Nick Bendel

Property & Personal Finance Writer

What is a wedding loan?

The average price of an Australian wedding costs upwards of $36,000 so it is always smart to search around and understand your financial options.

Personal Loans

24 Jan, 2018

3 min read

Nick Bendel

Property & Personal Finance Writer

What can I use a personal loan for?

Depending on the lender and your financial situation, you might be able to borrow up to $100,000 with a personal loan. But what could you use it for?

Personal Loans

23 Jan, 2018

3 min read

Nick Bendel

Property & Personal Finance Writer

When is the right time to take out a personal loan?

Personal Loans

01 Dec, 2017

3 min read

When is the right time to take out a personal loan?

Mark Bristow

Personal Finance Editor

5 steps to get out of debt

While a certain level of carefully-managed debt can help us make progress towards our financial goals, it's easy for debts, fees and interest charges to grow larger than we can easily manage. If you're struggling with debt and don't know where to start when it comes to getting your finances back under control, here are five steps you can potentially follow:

Personal Loans

08 Nov, 2017

5 min read

Mark Bristow

Personal Finance Editor

Is it better to take out a personal loan or use my credit card?

If you have some large expenses, or are interested in making some major purchases, you may need to consider your credit options to get the finance you need. Two popular options for borrowing money are credit cards and personal loans, but working out which one is the better choice can depend greatly on the nature of your expenses, and how you plan to pay them back.

Personal Loans

07 Nov, 2017

5 min read