Personal Loans

Australians are reportedly moving away from personal loans, in a partial reversal of an earlier uptick in lending activity earlier in the year. While new data shows a decline in personal lending overall, there are still competitive personal loans available for borrowers who know where to look.

Mark Bristow -

09 Apr, 2024 -

3 min read

Personal Loans

Data shows Australians are increasingly looking to personal loans to secure finance. However, before committing to a personal loan, it’s important to compare the available options and consider your needs to make sure you’re selecting a loan that offers the most value for your needs.

Mark Bristow -

13 Mar, 2024 -

3 min read

Personal Loans

With Valentine’s Day just around the corner, it’s the time of year when a lot of money gets spent on everything from grand romantic gestures to elaborate weddings. While a personal loan could offer the financial support you need to splurge on your loved ones when the cost of living is high, it’s important to consider your budget and your credit score, and to carefully compare personal loan options before you apply.

Mark Bristow -

08 Feb, 2024 -

3 min read

Home Loans

While interest rates are important, Australia’s borrowers, first home buyers, investors and refinancers may also want to compare more than just rates when looking at home loans. When comparing home loan features and benefits, it’s important to consider which of these extras may offer you the most value in your financial situation, and help you to achieve your personal goals.

Mark Bristow -

10 Apr, 2024 -

3 min read

Home Loans

For anyone looking to secure a home loan, the stage 3 tax cuts - and the subsequent increase to your take home pay - could mean your borrowing capacity, gets a bump too.

Eden Radford -

22 Apr, 2024 -

4 min read

Home Loans

NAB, Australia’s third largest lender, has dropped the advertised rates on its discounted variable home loan, in a strategic move by the bank on how it markets its prices.

Eden Radford -

15 Apr, 2024 -

3 min read

Credit Cards

Credit card debt attracting interest charges has risen for the third month in a row in a sign an increasing number of households are struggling to get on top of their debt in 2024.

Eden Radford -

09 Apr, 2024 -

4 min read

Credit Cards

Household credit card debt rose by more than a quarter of a billion dollars in the month of January as shoppers struggled to clear their debts following a bumper spendathon in November.

Eden Radford -

07 Mar, 2024 -

4 min read

Credit Cards

Navigating a tough financial situation can be tricky - so to help provide some guidance, RateCity spoke to Joanne Edwards, Chief Operating Officer of Wisr, a neo-lender and fintech that is focused on improving the financial wellness of all Australians and helping them make smart decisions.

Eden Radford -

24 Apr, 2024 -

6 min read

Credit Score

Having bad credit may make applying for loans and credit cards feel impossible. But it is possible to recover from a bad credit score, though the length of time it will take may vary. Checking your credit report is often a good start, as is demonstrating your financial responsibility.

Mark Bristow -

28 Feb, 2024 -

4 min read

Personal Loans

It’s no secret that tying the knot can be an expensive proposition, with the W-word often being associated with higher than typical prices for many products and services. While you might be wedded to getting a personal loan to pay for it, it’s important to be aware of the risks involved before saying I Do to a bank or lender.

Mark Bristow -

15 Mar, 2024 -

5 min read

Personal Loans

It is possible to refinance a personal loan, provided you can afford the repayments. Refinancing a personal loan is a lot like initially applying for a personal loan, with a few key differences.

Mark Bristow -

23 Nov, 2023 -

3 min read

Personal Loans

A personal loan is a simple way to borrow money to pay for a major purchase, or to cover the costs of a personal project. When you apply for a personal loan, you may be able to choose between a secured loan and an unsecured loan. A secured personal loan uses an asset, such as a car, as security. In contrast, an unsecured personal loan doesn’t require any collateral or assets to secure it.

Mark Bristow -

02 Nov, 2023 -

4 min read

Home Loans

Choosing your mortgage provider can sometimes involve as much research as locating your ideal property. After all, you wouldn’t purchase the first property you saw without looking inside, so why would you treat your mortgage this way?

Alex Ritchie -

05 Mar, 2024 -

6 min read

Home Loans

Both refinancing and home equity loans let you borrow against the equity you have built up with your home. But the best choice for you may depend on your financial situation and personal goals. 

Peter Terlato -

25 Jul, 2023 -

6 min read

Credit Score

Is there such a thing as 'good debt' and what could it mean for your financial future?

Mark Bristow -

16 Feb, 2024 -

4 min read

Credit Score

Being mindful of your financial habits can make a big difference to how easy or hard it is to keep your credit score at the top end of the band. Here are four of the top ways to maintain or grow a good credit score:

Mark Bristow -

15 Feb, 2024 -

4 min read

Credit Score

The frequency at which your credit score changes will depend on how often a bank, lender or service provider offers this information to credit bureaus, and how often a credit bureau assesses your individual credit history and payment behaviour. 

Eden Radford -

30 Jan, 2024 -

4 min read

bnpl

Thinking about making a pricey purchase but don’t want to splash all your cash at once? Buy now pay later (BNPL) and personal loans are two alternatives to choose from.

Vidhu Bajaj -

13 Jun, 2023 -

6 min read

Car Loans

Most lenders offer both car loans and personal loans – what’s the difference? And which one is the best choice when you’re buying a car?

Mark Bristow -

28 Nov, 2023 -

6 min read

Personal Loans

Australians have long had a love affair with the great outdoors - going off-road in a four-wheel drive, fishing in a tinnie, or tearing it up on a quad bike or snowmobile. But this pastime may require finance to be affordable, so it’s important to compare the available personal loan options and make a choice that suits your needs.

Mark Bristow -

09 Jun, 2023 -

6 min read

Personal Loans

Need a fast personal loan? Use RateCity to research fast personal loans. Compare rates, fees and features before taking out a fast personal loan.

Mark Bristow -

16 Jul, 2018 -

7 min read

Personal Loans

Looking for a guarantor personal loan? Learn more about guarantor personal loans and compare personal loan interest rates, fees, features and more.

Alex Ritchie -

20 Aug, 2018 -

10 min read

Car Loans

Isuzu is a Japanese automotive manufacturer, known in Australia for its trucks and commercial vehicles. Having had a presence in Australia since 1972, Isuzu also sells utes and SUVs for work or personal use.

Mark Bristow -

22 Jun, 2023 -

5 min read