Personal Loan
Borrow Loan with low rates starting from 6.57% p.a. (comparison rate from 7.19% p.a.*) with money in your bank account in as little as 60 minutes.
Fill in the form below and let our team take care of the rest.
Transparent and supportive lending
- 1 to 12 year loan terms available
- Unsecured and secured
- No account keeping fees, no prepayment payment fees and no early exit fees
- Weekly, fortnightly or monthly repayments
- No penalties for early loan repayment
- APR – As low as 6.57%
(One of the lowest APR in the market) - Fixed rate of interest, meaning no repayment surprises
Elegibility Criteria
In order to apply for a personal loan, you must fulfil the following eligibility criteria.
You should be atleast 18 years or older.
Have no defaults (paid or unpaid) or active payday loans
You should be an Australian citizen or permanent resident
Centrelink can be used as a secondary income with regular income.
Be in active employment or receive a pension.
Not be a current or prior bankrupt or be party to a court judgement.
Credit4U sorted me out quicker than a barbie snag on a hot day. Wanted to finally get that surfboard shaping business off the ground, but the banks were a bigger hassle than a kook trying to catch a wave. Filled out the application on the beach between surfs, got approved faster than a set rolling in. Top company, Credit4U. Now I’m shaping dreams, not just waves!
I’m a bit of a control freak when it comes to my finances, alright? So naturally, applying for a home loan had me in a tizz. Credit4U surprised me, though. Their online portal was crystal clear, the whole process was transparent, and the interest rate? Fair dinkum competitive. Now I’m a homeowner, and it wasn’t a complete nightmare thanks to Credit4U. Top recommendation from this fussy Sydneysider!
Never thought I’d need a business loan at this point in life, but the grandkids wanted to help out with the bait shop. Banks? Gave me a headache. Credit4U? They were a breath of fresh air. Sorted online, no fuss, and now the shop’s doing a roaring trade. Thanks, Credit4U!
1097+ Satisfied Home Buyers and The Next Can Be You!
Why Choose Us for a Personal Loan?
At Credit4U, we take pride in being your trusted financial partner. Our dedication to providing tailored solutions sets us apart. We understand that every individual’s financial needs are unique, and our personalized approach ensures that you get a loan that perfectly aligns with your requirements.
Moreover, we offer competitive interest rates that make your loan affordable, allowing you to focus on achieving your goals without undue financial burden. We believe in transparency and honesty, so there are no hidden charges or surprises throughout the loan process. What you see is what you get.
Our online application process is quick and straightforward, ensuring a hassle-free experience for our customers. We strive to provide swift approvals and disbursements, allowing you to address your financial needs without unnecessary delays.
Additionally, our team of financial experts is always ready to provide expert guidance and assistance at every step of the process. If you have any questions or need advice, we’re just a phone call away.
How does it work?
At Credit4U, we take pride in being your trusted financial partner. Our dedication to providing tailored solutions sets us apart. We understand that every individual’s financial needs are unique, and our personalized approach ensures that you get a loan that perfectly aligns with your requirements.
Moreover, we offer competitive interest rates that make your loan affordable, allowing you to focus on achieving your goals without undue financial burden. We believe in transparency and honesty, so there are no hidden charges or surprises throughout the loan process. What you see is what you get.
Our online application process is quick and straightforward, ensuring a hassle-free experience for our customers. We strive to provide swift approvals and disbursements, allowing you to address your financial needs without unnecessary delays.
Additionally, our team of financial experts is always ready to provide expert guidance and assistance at every step of the process. If you have any questions or need advice, we’re just a phone call away.
Frequently Asked Questions about Personal Loan
Can I get a personal loan if I have bad credit?
We understand that credit histories can vary, and we cater to borrowers with different credit profiles. While having a good credit score may improve your chances of approval, we also consider other factors and offer personal loan options for individuals with Bad credit Score.
How do I know if a personal loan is the right option for me?
Our experienced team is here to help you make an informed decision. We’ll assess your financial situation, discuss your needs and goals, and recommend a personalized loan solution that aligns with your circumstances.
Can I repay my personal loan early?
Yes, many of our personal loan products offer the flexibility to make early repayments without penalties. Paying off your loan ahead of schedule can save you money on interest and help you become debt-free sooner.
What is the application process for a personal loan?
Applying for a personal loan with us is simple and convenient. You can start the process by filling out our online application form or contacting our team directly. We’ll guide you through the application and documentation requirements.
How long does it take to get approved for a personal loan?
Our goal is to provide quick and efficient service. We strive to provide prompt approvals to meet your financial needs.
What are the interest rates for personal loans?
We offer competitive interest rates as low as 5.35% p.a. (6.14% p.a. comparison rate).
Disclaimer :
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. Consider the product disclosure statement before making a purchase decision. Canstar provides an information service. It is not a credit provider, and in giving you information about credit products Canstar is not making any suggestion or recommendation to you about a particular credit product.
^Rates as at 17 March 2020. The interest rate is determined with reference to the age of the vehicle and the credit assessment. Interest rate loading may be applied. The comparison rate is based on a $30,000 loan over 5 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice. Vehicle age must be 7 years or less upon commencement of loan term. Balloon option available for vehicle age 4 years or less upon commencement of loan term.
Repayments are indicative only and subject to our assessment of your credit history. Maximum repayment term: 24 months (cash) & 36 months (personal). Max APR: 48%
Credit4u has well established and committed relationships with a range of lenders Australia wide, which puts us in an advantageous position to offer you a loan that best suits your requirements.
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Contact Us
Credit4u.com.au collects data for Local Capital Pty. Ltd.
ABN: 79 142 973 279
Licence Number: 393689
info@credit4u.com.au
Credit4u pays respects to the Traditional Custodians of lands all over Oz, recognising their continued care for Country and Culture. We express our heartfelt respect for First Nations people and their Elders, past and present.
Disclaimer
The content presented on this website is intended for general informational purposes only. The information provided on the website does not constitute any representations or warranties regarding loan borrowing or financial products and services. Your decision to borrow various loans is entirely based on your own assessment of the associated risks and your understanding of the lending criteria applicable in Australia. It is essential to make informed choices when considering any financial transactions.