Fast, Transparent Personal Loans in Australia
Getting a personal loan shouldn’t be complicated.
At My Personal Broker, we make borrowing simple, fast, and stress-free — with clear rates, no hidden surprises, and support from real people who understand your needs.
Whether you need funds for a new car, a dream wedding, a medical expense, or to consolidate your debts, we’ll help you find the right loan at the right rate.
Personal Loans Made Simple
Applying for a personal loan doesn’t have to mean dealing with endless paperwork or confusing options.
With My Personal Broker, you can:
- Apply online in minutes – no complicated forms or jargon
- Get matched to multiple lenders for the best available rates
- Deal with real finance experts – not bots or call centres
- Enjoy peace of mind knowing your information is secure
We handle the hard work so you can focus on what matters — getting approved and moving forward with your plans.
Loans for Every Purpose
Life’s big (and small) moments often need a helping hand. Whatever your goal, we’re here to make it easier.
Car Loans
Upgrade or buy your next car with confidence
Wedding Loans
Celebrate your day without the stress
Travel Loans
Take that dream holiday sooner
Boat/Jet Ski Loans
Get your dream boat or Jet Ski for your ultimate getaway
Home Improvement Loans
Refresh, renovate, or repair
Debt Consolidation Loans
simplify your repayments into one easy plan
Medical Loans
Focus on your health, not the bill. Cover your medical expenses
Motorbike Loans
Upgrade or buy your motorbke with confidence
Not sure which option fits you best? Our brokers can help explain your choices clearly — in plain English, with no pressure.
Secured vs Unsecured Personal Loans – What’s the Difference?
When applying for a personal loan, one of the first things to consider is whether it’s secured or unsecured.
Here’s what that means — and how to choose what’s right for you.
Secured Personal Loans
A secured loan is backed by an asset such as your car, boat, or property.
If you can provide security, lenders often offer:
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Lower interest rates
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Higher borrowing limits
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Flexible repayment terms
However, your asset acts as collateral, meaning it may be at risk if repayments aren’t met.
Unsecured Personal Loans
An unsecured loan doesn’t require any collateral — approval is based on your financial history and ability to repay.
These loans typically:
- Approve faster, with fewer requirements
- Offer flexibility for a range of purposes
- May have slightly higher interest rates than secured options
Which is right for you?
- Choose secured if you want a lower rate and have an asset to use as security.
- Choose unsecured if you prefer a faster, simpler process with no collateral required.
Our team can help you compare both types and find the best fit for your situation and goals.
Why Choose My Personal Broker
With so many lenders and loan types available, it’s easy to feel lost. We make it simple by offering expert support and transparent advice every step of the way.
What makes us different:
- No hidden fees or surprises – know exactly what you’re signing up for
- Fast, fair approvals – we help you move quickly
- Personalised service – speak directly to experienced brokers
- Flexible options – access a range of trusted Australian lenders
Frequently Asked Questions
How much can I borrow?
This depends on your income, credit history, and the type of loan you choose. We’ll help you understand what’s realistic before you apply.
What is the eligibility criteria?
Most lenders look at your income, employment status, credit history, and existing financial commitments.
We work with a range of lenders — including those who consider different financial situations — so even if you’ve been declined elsewhere, we may still be able to help.
How is interest calculated?
Interest rates are usually based on the lender’s assessment of your financial profile and the type of loan you choose.
For example, secured loans tend to have lower rates because an asset is used as collateral, while unsecured loans may have slightly higher rates.
We’ll always explain your rate clearly before you proceed — no surprises.
How can I avoid paying late fees?
The easiest way to avoid late fees is to set up automatic repayments or reminders.
If you ever think you’ll have trouble making a payment, contact us or your lender as early as possible — in most cases, arrangements can be made to avoid penalties.
How fast will I get my loan?
Many approvals are completed within 24–48 hours, depending on your chosen lender and circumstances.
Do I need perfect credit to apply?
Not at all. We work with lenders who consider different credit backgrounds and personal situations.