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Taking out a personal loan can be an effective way to fund important purchases, or consolidate debt. Unlike a credit card, most personal loans require regular, equal repayments. This can provide the forced discipline many people need to pay down their debt in a set timeframe.
Personal Loans
08 Jan, 2009
2 min read
RateCity
Unsecured personal loan
Even though a secured personal loan offers a cheaper interest rate, not everyone may qualify for it. This is because people, such as students, may not have large assets that they can attach to the loan.
Personal Loans
08 Jan, 2009
1 min read
RateCity
Secured personal loans
When a bank lends out money, it prefers to hold collateral to ensure repayment. This is why they will offer a lower rate if you choose to secure your personal loan with property such as a car.
Personal Loans
08 Jan, 2009
1 min read
RateCity
Apply for a personal loan
Comparing personal loans is the first step towards finding the perfect low rate loan for you. Get started by searching and applying for some of the best personal loans in the market right here.
Personal Loans
08 Jan, 2009
1 min read
RateCity
Choosing the right personal loan
Personal loans can be used for practically any legal function such as paying for tuition fees, debt consolidation, a holiday, a boat, kitchen renovations and even a car. Each lender has their own specific criteria, but as a general rule - if it's legal, you can find a loan for it!
Personal Loans
20 Nov, 2008
2 min read
Laine Gordon
Head of Public Relations
Five Minute Guide to Personal Loans
A personal loan is a loan from the bank that can be taken out for any number of reasons - paying for an upcoming holiday, buying a new car, or even to cover education fees; it is simply for ’personal’ use.
Personal Loans
23 Sep, 2008
4 min read
Laine Gordon
Head of Public Relations
Avoid the interest free rip off
Buy now, pay later - there's no shortage of interest-free offers from stores selling everything from designer furniture to home theatre packages. While it's tempting to take home the very latest gizmo and worry about paying for it later, be aware of how another big debt could affect your finances after the novelty wears off and real life kicks back in.
Personal Loans
01 Jul, 2008
3 min read
RateCity
Bathroom bliss how to pay for those renovations
With yet another RBA interest rate rise to contend with, it’s looking less and less likely that you can move up to a luxury home with the lot - including a beautiful bathroom and ensuite.
Personal Loans
13 Mar, 2008
4 min read
Laine Gordon
Head of Public Relations
Debt detox 5 tips to a clean bill of wealth
The warning signs are unmistakeable: the euphoric high of several intensive shopping trips followed by a crashing low at bank statement time. Repeating this pattern of over-spending is likely to send your budget to break-point. Fortunately, you can take action to shake the habit with the help of the following guidelines.
Personal Loans
17 Jan, 2008
3 min read
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