Let us find you the best rates for loans from $5000 to $30000





  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 $7000

  5. Not currently bankrupt, part 9 or 10



  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.

Quick quote

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.



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. 


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


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


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


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


Our vehicle procurement service DRIVE will find you the best vehicle 


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

Rated 4.9 in overall satisfaction by Google Google


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