360 Finance Personal Loans

360 Finance offers personal loans, car loans, home loans, business finance and insurance.

Although 360 Finance’s head office is in Brisbane, the lender has customers throughout Australia, with customer support offered over the phone and online.

360 Finance also has relationships with other financial institutions, including the country’s big four banks, ANZ, Commonwealth Bank, NAB and Westpac. It will search through its list of lenders to find a personal loan that might best meet a customer’s needs.

360 Finance personal loan repayment calculator

Thinking about taking out a personal loan with 360 Finance? Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how 360 Finance personal loan compare with various products.

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360 Finance Personal Loans

Features of 360 Finance personal loans

360 Finance offers a wide variety of personal loans:

  • Car loans (used and new car loans)
  • Bike loans
  • Boat loans
  • Caravan loans
  • Equine equipment loans
  • Jet ski loans

360 Finance personal loans can either have variable or fixed interest rates, with terms of one to seven years.

Customers can choose between:

  • Secured personal loan: This type of loan uses an asset as collateral. A secured loan often has a lower interest rate than an unsecured loan.

  • Unsecured personal loan: This type of loan doesn’t have collateral, so usually a customer’s credit history and current financial situation will be taken into consideration by 360 Finance.

Repayment on 360 Finance personal loans can be made weekly, fortnightly or monthly.

360 Finance – customer service

360 Finance doesn’t have any branches, with customer service being offered either over the phone or online.

Customer service staff are available by phone and email, from 8am-6pm Monday to Friday.

Who is eligible for a 360 Finance personal loan?

To be eligible you must:

  • Be 18 years or over
  • Be an Australian permanent resident or citizen
  • Have a reasonable credit history
  • Have proof of employment

360 Finance does offer personal loans to the self-employed (although extra documents may be needed).

If a borrower has previously been bankrupt, they may still be eligible, however additional information will be needed.

How to apply for a 360 Finance personal loan?

To apply for a 360 Finance personal loan, you’ll need provide the following details:

  • Proof of Australian residency or citizenship
  • Proof of income
  • Information about your credit history (including any credit defaults)

Usually once you fill in an online form, a 360 Finance customer service representative will be in touch to discuss your application.

360 Finance personal loan review

360 Finance offers a range of personal loans to suit a wide variety of customers.

The interest rates on 360 Finance personal loans vary significantly between the types of loans it offers. Generally, secured loans have much lower interest rates than unsecured loans.

Compared to its competitors, 360 Finance offers many personal loans that have very low interest rates. However, to make sure you get the best deal, it’s worth comparing their rates carefully with other lenders.

When it comes to fees, they vary significantly between the types of personal loans 360 Finance offers. Some charge upfront fees as well as monthly fees, while others wave these. Early exit fees may also be charged and there are missed payment penalty fees as well.

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