Affordable personal loans For your Dream 

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Eligibility


  1. Be 18 years or over

  2. Be a permanent resident or an Australian citizen

  3. Be currently employed

  4. Must not have any unpaid default over $4000

  5. Not currently bankrupt, part 9 or 10

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Apply


  1. If you are eligible, click on the 'Apply' button.

  2. Complete the application in under 3 minutes.

  3. You will receive a call from one of our experienced brokers.

  4. Follow our prompts for documentation collection.

Why a Personal Loan may be the best option?

What Can I Use Personal Loans For?

Unlike a mortgage or a car loan, you can use a personal loan on that much-awaited kitchen renovation, your next family holiday, your child's education, or a milestone like a wedding. You can even use it for furniture and electronics!

Goals that you traditionally save up for but might take a longer time to achieve can be attained by taking out a personal loan.

Why Not Charge It On A Credit Card?

With a personal loan, you make regular payments against the amount borrowed over a fixed term (usually between one and seven years), until your loan is fully repaid opposed to paying minimum repayments on your credit card that can attract more interest.

Attracting more interest may result to bad credit.

How Can I Get Approved Faster On A Personal Loan?

Make sure to check if everything on your credit history is accurate. If there are any mistakes on it, correct them before applying.

If you're worried about bad credit from your car loan or other financial difficulties, you can take out a personal loan to consolidate other debts and apply for a new loan once the debt is cleared.

Secured VS Unsecured

Secured Personal Loan

Use an asset to secure the personal loan, such as a car. This asset is then used as a kind of security against the personal loan.  If at any time you are unable to repay the personal loan, the lender may be able to use your security asset to recuperate the difference.

Unsecured Personal Loan

The lender requires no security for the debt. The loan is still subject to your ability to repay it. The interest rates on unsecured personal loans are higher on average than secured personal loans, which offsets the increased risk of losing money for the lender. 

When Applying For A Personal Loan, Be It Secured Or Unsecured, You Should Always Check The Information With Your Financial Broker.

FREQUENTLY ASKED QUESTIONS

ABOUT MY LOAN

Making an application is quick and easy – you just need to have the following documents ready to give your broker:

  • Current Australian Residency Identification 
  • 2 recent payslips
  • Or one current bank statement 

In short the answer is No, you can source your own car. We offer a holistic solution to our customers, from financing to sourcing a vehicle at the most competitive rates and specs that suits you through our vehicle solutions partner – Drive.

We are a multi award winning independent finance group who believe in helping people achieve their dream or goal with our holistic solution we compare 40+ Lenders. Arranging everything from finding the right finance at the best low interest rate and a no deposit that suits you to sourcing the right vehicle – finding the right vehicle, that suits you, through our vehicle solutions partner – Drive

Interest rates can vary depending on the age of the vehicle you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 4.69%* for new vehicles for business use customers. 
* based on a commercial contract for a new vehicle with specific criteria.

A balloon payment allows you to reduce your repayments during the term of the car loan by making a once-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. 
Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include re-financing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds. 

APPLICATION AND APPROVAL

Once we receive your online application, you will be contacted by one of our experienced brokers, within 2 business hours. The timeframe from our high approval rate to completion can be anything from 1 hour under ideal circumstances. Give us a call on an obligation free discussion with one of our experienced brokers. to walk you through our fast and easy approval process

If you apply for finance with 1800 Approved as an ABN customer you can:

  • Apply with less documentation,  
  • Receive discounted interest rates between 0.4 - 3% less than a consumer loan.
  • Benefit from a tax write off with your finance– we recommend speaking to your financial advisor before you apply. 

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged we can be able to assist you. Click here for assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. Alternatively

QUESTIONS ABOUT MY CREDIT

The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score. At 1800 Approved we believe that everyone deserves an opportunity, so give us a call on 1800 2777 6899 an obligation free discussion with one of our experienced brokers. Alternatively, To learn more download our E-book

At 1800Approved we believe in assessing your circumstances today and finding a solution that best suits you. We do this with the help of our 40+ lender portfolio, so give us a call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. Alternatively click here for assessment that will not damage your credit score.

At 1800 Approved, unlike a bank, we will not show on your credit file as a “declined” if your application is unsuccessful. We do not leave an impressions on your file as part of our assessment. More than 6 enquiries in a 12-month period may affect your application for finance.

How It Works

Apply

It takes minutes to make an online application – no lengthy question 

Settle

Work with your dedicated financial broker who will find you the best deal 

Choose

Our vehicle procurement service DRIVE will find you the best vehicle 

Enjoy

Once you are approved you can pick up your keys! And, if you get your vehicle with us we will deliver it* 

What our customers are saying

Great service, went the extra mile to get a deal done.
— Heinz Schwarzer
Thank you so much for your help. I'm so happy I decided to go with you guys. Fantastic service from Cathy.
— Tami
Thank you so much you changed my life.
— Aneta Dadok
Well done Cathy done a great job and I look forward to working with her again.
— Jason Sullivan
I would like to thank for your continued support since using you & your company as a second string financier. I commend you on your professionalism not only with the customers but also with myself & my staff. You are always happy to assist & look at each customer on their merits & come up with a win win solution when our main stream financiers cannot assist. Even though we are in different states this has not once hindered the finance or sale, you make things as smooth & seamless as possible for the customer. Thank you for your assistance & support & look forward to our continued relationship.
— David di Losa
Switching to Morgan at Ausloans was extremely easy. We have been getting great customer feedback and keeping more deals. There is great communication and transparency and I would have no hesitation in recommending Morgan to friends, family and other businesses.
— Tom Bennington
Morgan from Ausloans has been a pleasure to work with on guests that Toyota Finance don’t accept. Morgan is easy to talk to and very efficient, but most of all our guest our comfortable speaking to Morgan. I really appreciate her promptness.
— Phillip Farrugia | Toyota
"I was introduced to Ausloans and the team set me up a finance page for my business which looks great." VIP Auto Brokers.. . I have added a link to the page on my adds on Facebook and Gumtree and love having a dedicated finance team working on the back end for approvals for my business. Once a customer is approved they let me know and I can help them into a car 😍. Awesome company, awesome people. Thanks
— Daniel Haddad | VIP Auto Brokers
"Using Zink has really helped fast track the finance process in my business. My team use it in conjunction with our Facebook page, so as a client comes through our automated chat and fills in the application form online my dedicated broker can see what their profile is like and request documents even if its outside of normal call hours. Its grest being able to know upfront which clients are likely to be able to get finance approval and who its worth holding cars for. "
— Moe Dandan | Extreme Car Sales
Shamiez was bloody fantastic. There was no bullshit... whatever I wanted she did for me. Very happy! —
— Aaron
I would like to thank for your continued support since using you & your company as a second string financier. I commend you on your professionalism not only with the customers but also with myself & my staff. You are always happy to assist & look at each customer on their merits & come up with a win win solution when our main stream financiers cannot assist. Even though we are in different states this has not once hindered the finance or sale, you make things as smooth & seamless as possible for the customer. Thank you for your assistance & support & look forward to our continued relationship. —
— David di Losa
The service I received was very prompt. I would recommend 1800Approved to anyone wanting to use a positive lender. Thank you for making this a positive experience for me. —
— David Dring

Rated 4.9 in overall satisfaction by Google Google

Disclaimer

Representative example: Based on a $30,000 loan with an 84-month term for a borrower with excellent credit history at a comparison rate of 4.99% p.a. the estimated total amount payable per month is $444. Interest rates range from 4.99% p.a. (comparison rate 6.97% p.a.) to 12.37% p.a. (comparison rate 20.30% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. 1800Approved credit criteria and terms and conditions apply. 

Head Office: 1/33 Ereton Drive Arundel QLD 4214