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Compare personal loan interest rates

Compare personal finance interest rates

At Jade , we specialise in comparing some of Australia's leading unsecured and secured personal loans for our customers. Our team of lending specialists have experience helping many customers find financing for a new car, caravan, holiday, new furniture for the home or anything you like! Talk to a Jade specialist and discover what we can do for you.

Use Jade to compare loan rates without lodging an application and effecting your credit rating. Our lending specialists can find the ideal loan for your financial situation and help you find the best rates in lending for Australia.

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Personal loan rates comparison

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How to compare personal loan rates?

Comparing loans can take time, which often explains why many people rely on their bank and other well-known banks. However, hundreds of loan products are available in Australia, and uncovering these can take specialist knowledge. Jade has built a team of financial and lending professionals to source all types of loans that suit various purposes. When evaluating loans, you can consider the comparison interest rate as that accounts for the interest charged on the loan and any regular non-government fees charged. 

Using the comparison interest rate is a good start, but you’ll also need to examine the event fees. The event fees on loan can include items such as early payment fees and document request fees. Review the loan offer and decide if you’ll need the service that can attract a fee. For example, if you plan on making extra payments look for a loan that allows for that without charging excessive fees. 

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How Jade finds the best interest rates

At Jade, we aim to source the best personal loans available in Australia. We've built a team of finance and loan specialists with the experience to deliver better deals for our customers. Your chosen Jade expert will examine your information and determine which lender best suits your financial situation.

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We work with your personal loan requirements

With our experience with all personal loans, you'll know you're getting the best deal possible. Using Jade to compare personal loans online can save you many hours. We work with banks and non-bank lenders, which means we can secure a loan from a place you may not have considered before. We focus on finding the cheapest lending offers from various sources and assisting our customers with their applications. The Jade consultants have many years of experience handling loans of all types, and they can provide help with completing your application.

As we are accredited with many lenders, you’ll find that applications completed using our specialists may be approved quickly, so you get your money as soon as possible. 

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Application for personal finance

When deciding on the best loan for you, going with the lowest interest rate can be the best option. But ensuring the loan can support your needs during the entire loan term means you’ve found the ideal loan. Talking to your Jade lending specialist about how you’d like to work with the loan can help them find a loan that is suitable for your needs.

We have a long-standing relationship with many lenders and understand the types of customers they seek. When you talk our specialists, they can recommend a lender based on your financial situation. We know the type of applicants our lenders are seeking and which ones are more likely to approve your loan request.

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Finance Calculator available to help choose the loan amount

When you apply for finance, you should have a rough idea of how much you need to borrow. You can use a personal loan calculator to show you an estimated monthly repayment on your loan. These calculators can guide you and help you decide exactly how much you'd like to borrow.

Deciding the exact loan amount can take some time, and you should consider if the monthly repayments are affordable. Lenders will examine your financial situation and determine if the repayments are manageable. A lender may approve you for more or less than you initially asked for. Check out our personal finance calculator below.

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Personal finance - compare the best rates
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This calculator is solely for illustrative purposes and is intended as a guide. It relies on the information you provide and should not be considered a quote or a pre-qualification. The interest rate offered to you may vary from the one shown here, depending on your individual circumstances. Repayment figures do not account for any lender fees and charges.
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Debt Consolidation

If you're consolidating debt and interested in reducing your loan repayments or getting a better interest rate, send through your details, and a Jade specialist will contact you for a discussion.

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How lenders decide interest rates

Lenders follow many factors to decide what interest rates they'll charge. A large factor for lenders is their risk level. When you choose a lender who prefers low risk applicants, they can offer lower interest rates than others.

However, some lenders are willing to approve applicants with a low credit scores. These lenders examine each applicant on their merits and rely less on credit reports. Even if you have a low credit score, provided you have a steady income and can financially afford the loan, it is possible to find a suitable lender. The better your credit history, the better interest rate you can expect on a personal loan offer, as most lenders like to work with customers they consider lower risk.

Secured lending can be cheaper than unsecured. When talking to our Jade representatives we will educate you on all the possibilities to save on your loan rates.

Using Jade to find a personal loan for you means that you can find a lender that will provide you with an affordable loan that fits your financial situation. Your Jade personal loan broker will work with you and compare personal loans to find the most suitable loan.

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Personal loan options

Choose the loan term that suits you

Finding the best loan term for you is essential to your loan application. A short-term loan is good for small loans, and a long-term loan is best for larger loans. Your Jade loans specialist can make a recommendation on which terms are best. Remember you can always pay extra payments to reduce your loan term and save on interest costs.

Variable or fixed rate loan?

Variable interest loans can look attractive but can move upwards so always be prepared for higher replayments. A fixed-rate loan is best if you prefer to keep your monthly repayments unchanged during the loan term. Many loan applicants choose a fixed-rate loan especially in a market with climbing interest rates.

Secured or unsecured loans?

A secured loan is best when you’re using the loan to buy an item, such as a new car, caravan, boat or you have a car no t under finance. With these loans, the goods are used as security against the loan and helps to off-set the lender's risk. This reduced risk means they’ll offer you a reduced interest rate or better terms and a higher loan amount.

An unsecured loan is usually the only option when you’re using the funds to buy something intangible, such as a holiday or medical expenses. When you have an unsecured loan, the lenders will access your income as the only means for repaying the loan. These loans are riskier for the lender, and could incur a little higher interest rate.

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Compare Personal Loans Interest Rates FAQ

Jade Finance handles every loan individually, please feel free to contact us via email
or phone on 1300 000 008 to direct your specific issues to our consultants.

What is a personal loan?  FAQ Arrow

A personal loan is where an individual takes out a loan to fund specific personal expenses. A personal loan is usually for loans from $10,000 - $100,000 and will have a term of 1 - 7 years. Personal loans can be used for many different purposes, including vehicle purchases, funding a holiday, or for consolidating debt (e.g. credit cards).

What are variable rate personal loans?  FAQ Arrow

A variable rate personal loan is where the interest rate will change according to market forces. When you have a variable rate loan, your lender will notify you if the interest is scheduled to change and your new monthly payments. Predicting a variable interest rate over the entirety of a loan term can be challenging. Still, it will often have an initial interest rate lower than a fixed rate, making it an attractive option for some people.

What are secured personal loans?   FAQ Arrow

A secured personal loan is where a asset is used as security for the loan. For example a car, caravan, boat. A secured loan means the risk to the lender is reduced, which means they will offer an applicant a lower interest rate.

What is an unsecured personal loan?    FAQ Arrow

An unsecured personal loan is when property or an asset is not held by the lender as security against the loan. These loans are a higher risk for the lender, and they may only offer these loans to people with a good credit history. An unsecured loan may attract a higher-than-average interest rate to offset the lender's risk. Unsecured loan amounts limits can also be lower than secured with most lenders looking at maximum amounts of $50,000.

If you have a bad credit rating can you get a loan?    FAQ Arrow

Yes, you can get a personal loan even if you have a bad credit rating. You may find you have limited options, but many lenders are willing to look at applicants who have a bad credit history.

What is a good credit rating?  FAQ Arrow

Credit reporting agencies will collect specific information about your credit history. These agencies will assign a score based on your activities. If you've previously had a loan (including credit cards) and made regular repayments on time, you will likely have a good credit score.

You can request your credit report for free once every three months or if it's been less than 90 days since you were refused credit. Keeping a watch on your credit report can help you avoid identity theft and having unwanted credit inquiries that can reduce your credit score.

What does a comparison rate mean?  FAQ Arrow

The comparison rate on a personal loan includes the interest rate and any fees and charges the lender includes as a part of the loan. It doesn't include government charges or event-based fees (e.g., early payout fees).

What are the best loan terms? FAQ Arrow

The best loan terms will make your loan more affordable without adding unnecessary interest charges. You can use a loan calculator to estimate your loan repayments and decide which loan terms are ideal.

A shorter loan term will mean your regular payments are high, but your overall interest charged is low. A longer term loan means you'll pay more overall interest, but your regular loan payments are lower.

Do you charge any early repayment fees? FAQ Arrow

Jade doesn't charge any fees for being your loan broker. If you'd like a loan without early repayment fees, it is best to discuss this with your Jade loan broker.

What is the best interest rate for a loan? FAQ Arrow

Interest rates tend to change with market forces, so it can be challenging to predict and suggest the best current interest rate. Using Jade to find a loan with a reasonable rate is an excellent method for comparing many loans.

What is the best interest rate for a loan? FAQ Arrow

Interest rates tend to change with market forces, so it can be challenging to predict and suggest the best current interest rate. Using Jade to find a loan with a reasonable rate is an excellent method for comparing many loans.

Can I apply for a debt consolidation loan? FAQ Arrow

A personal loan is ideal for consolidating other loans and reducing your overall loan expenses. When you talk with a Jade loan broker, you can mention that the personal loan is used for debt consolidation, and they’ll source a suitable loan product for you.

When you apply for a debt consolidation loan, your lender will need the details of your closing loans. You may need to contact all your current lenders and request a final payout figure. Your payout figure may include loan closing fees and charges. However, when you consolidate your loans into a single loan, you'll usually pay less each month.

After your loan is approved, your lender will contact the other lenders and arrange for the loans to be paid out in full. If your lender cannot payout the loans, the funds will be placed into your nominated account, and you'll need to finalise the other loans.

How long does a personal loan application take? FAQ Arrow

Personal loans can be approved in as little as 48 hours. However, complex loans can take additional time. You can discuss the application process with your Jade loan broker for an accurate time frame.

After you receive a notification that your loan is approved, the funds will usually be available in your nominated account within a day. When you receive the funds, you can use them immediately.

What is the best way to compare loans? FAQ Arrow

Using finance specialist like Jade to find your next loan is one of the easiest methods to compare personal loans. We have a team of finance professionals who understand the market and can recommend loans suited to your financial situation.

If you're interested in comparing loans yourself, you can start by examining the comparison interest rate. This rate considers the current interest rate and any fees (e.g., application fee) and monthly charges the lender will charge .

How do I use the personal loan calculator? FAQ Arrow

You can enter the amount you'd like to borrow, the interest rate, and the loan term, into the calculator and it will provide a repayment estimate based on those amounts. For a more accurate loan quote, it is best to talk to a loan broker or lender direct.

What causes bad credit ratings scores? FAQ Arrow

Credit reporting agencies will collect information about you from lenders and utility services. If you default on payments, these can be recorded as a repayment default and will affect your credit score. Your credit score can also be affected when you apply for credit or are rejected for a credit application.

Using Jade to get a loan quote will not affect your credit score, as we do not access your credit history. Only during the application stage will the lender check your credit score.

What can I use a personal loan for?FAQ Arrow

A personal loan can be used for all sorts of purposes. You can use a loan to buy a new vehicle, boat, or caravan. You can also use a loan to consolidate existing debts.

How fast is the application process? FAQ Arrow

The application process with Jade takes around 20 minutes to complete. If you need assistance with your application, you can contact your Jade personal loan broker to help complete the application.

How to get the lowest interest rate on a personal loan?FAQ Arrow

If you have a good credit score, banks and non-bank lenders usually offer you a better interest rate to secure your business. You can also use the services at Jade, as we'll compare the loan offers from more than sixty lenders. If you can offer security (eg. Car) this can sometime get a lower rate.

How to get the lowest interest rate on a personal loan?FAQ Arrow

If you have a good credit score, banks and non-bank lenders usually offer you a better interest rate to secure your business. You can also use the services at Jade, as we'll compare the loan offers from more than sixty lenders. If you can offer security (eg. Car) this can sometime get a lower rate.

Can I get a personal loan to pay off my credit cards?FAQ Arrow

Yes, debt consolidation is a common use for personal loans. Credit cards can be challenging to manage, and a personal loan is one way to avoid the high interest of credit cards. A lender usually requires you to pay out a credit card soon after the loan is approved.

How long does it take until I receive the funds?FAQ Arrow

After the application is approved and all the contracts are finalised, funds can be available by the next working day

Can I get a loan to consolidate debt?FAQ Arrow

After the application is approved and all the contracts are finalised, funds can be available by the next working day.

Are secured loans good for buying a car?FAQ Arrow

Yes, a loan that uses the car as security is a good way of reducing your total interest payments. As the lender holds your vehicle as security, it helps reduce their risk, which means they can offer lower interest and/or offer a larger loan amount.

Is it easy to get unsecured personal loans?FAQ Arrow

An unsecured loan can be reasonably easy to obtain if you have a good credit rating. However, you can expect to pay more interest with these types of personal loans. When deciding which type of loan is best, you can talk to a Jade specialist for assistance.

Which bank has the lowest interest rate for a personal loan?FAQ Arrow

Using Jade as your loan broker means you can compare loans from sixty lenders, and we'll recommend the lender that offers you the best comparison rate for your requirements.

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