<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5GDSXMQ2" height="0" width="0" style="display:none;visibility:hidden"></noscript> <!-- End Google Tag Manager (noscript) --> <div id="page-container" style="padding-top: 167px; overflow-y: hidden;"> <div id="top-header"> <div class="container clearfix"> <div id="et-info"> <a href="mailto:info@credit4u.com.au"><span id="et-info-email">info@credit4u.com.au</span></a> </div> <div id="et-secondary-menu"> </div> </div> </div> <header id="main-header" data-height-onload="120" data-height-loaded="true" data-fixed-height-onload="120" style="top: 47.5px;"> <div class="container clearfix et_menu_container"> <div class="logo_container"> <span class="logo_helper"></span> <a href="https://credit4u.com.au/"> <img width="678" height="146" alt="Credit4u" id="logo" data-height-percentage="49" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/credit-new-png.png" class=" lazyloaded" 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class="menu-item menu-item-type-post_type menu-item-object-page menu-item-716"><a href="https://credit4u.com.au/business-loan/">Business Loan</a></li> <li id="menu-item-720" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-639 current_page_item menu-item-720"><a href="https://credit4u.com.au/personal-loan/" aria-current="page">Personal Loan</a></li> <li id="menu-item-717" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-717"><a href="https://credit4u.com.au/car-loan/">Car Loan</a></li> <li id="menu-item-718" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-718"><a href="https://credit4u.com.au/debt-consolidation/">Debt Consolidation</a></li> <li id="menu-item-721" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-721"><a href="https://credit4u.com.au/studies-loan/">Studies Loan</a></li> <li id="menu-item-722" class="menu-item menu-item-type-post_type 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menu-item-object-page menu-item-713"><a href="https://credit4u.com.au/contact-us/">Contact Us</a></li> </ul></div> </div> </div> <!-- #et-top-navigation --> </div> <!-- .container --> </header> <!-- #main-header --> <div id="et-main-area"> <div id="main-content"> <article id="post-639" class="post-639 page type-page status-publish hentry"> <div class="entry-content"> <div class="et-l et-l--post"> <div class="et_builder_inner_content et_pb_gutters3"> <div class="et_pb_section et_pb_section_0 et_pb_with_background et_section_regular section_has_divider et_pb_top_divider"> <div class="et_pb_top_inside_divider" style=""></div> <div class="et_pb_row et_pb_row_0"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_0 et_animated et_pb_text_align_left et_pb_bg_layout_dark et_is_animating slideLeft" style="animation-duration: 1000ms; animation-delay: 0ms; opacity: 0; animation-timing-function: ease-in-out; transform: translate3d(-4%, 0px, 0px);"> <div class="et_pb_text_inner"><h1>Personal Loan</h1></div> </div><div class="et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p>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.</p></div> </div> </div> </div><div class="et_pb_with_border et_pb_row et_pb_row_1"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_1 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div id="personalform" class="et_pb_module et_pb_contact_form_0 lwp-message-color et_animated et_pb_contact_form_container clearfix et_is_animating slideBottom" data-form_unique_num="0" data-form_unique_id="" data-redirect_url="https://credit4u.com.au/thank-you-personal/" style="animation-duration: 1000ms; animation-delay: 0ms; opacity: 0; animation-timing-function: ease-in-out; left: 0px; transform: translate3d(0px, 4%, 0px);"> <h3 class="et_pb_contact_main_title">Fill in the form below and let our team take care of the rest.</h3> <div class="et-pb-contact-message"></div> <div class="et_pb_contact"> <form class="et_pb_contact_form clearfix" method="post" action="https://credit4u.com.au/personal-loan/"> <p class="et_pb_contact_field et_pb_contact_field_0 et_pb_contact_field_half" data-id="firstname" data-type="input"> <label for="et_pb_contact_firstname_0" class="et_pb_contact_form_label">First Name*</label> <input type="text" id="et_pb_contact_firstname_0" class="input" value="" name="et_pb_contact_firstname_0" data-required_mark="required" data-field_type="input" data-original_id="firstname" placeholder="First Name*"> </p><p class="et_pb_contact_field et_pb_contact_field_1 et_pb_contact_field_half et_pb_contact_field_last" data-id="lastname" data-type="input"> <label for="et_pb_contact_lastname_0" class="et_pb_contact_form_label">Last Name*</label> <input type="text" id="et_pb_contact_lastname_0" class="input" value="" name="et_pb_contact_lastname_0" data-required_mark="required" data-field_type="input" data-original_id="lastname" placeholder="Last Name*"> </p><p class="et_pb_contact_field et_pb_contact_field_2 et_pb_contact_field_half" data-id="email" data-type="email"> <label for="et_pb_contact_email_0" class="et_pb_contact_form_label">Email Address*</label> <input type="text" id="et_pb_contact_email_0" class="input" value="" name="et_pb_contact_email_0" data-required_mark="required" data-field_type="email" data-original_id="email" placeholder="Email Address*"> </p><p class="et_pb_contact_field et_pb_contact_field_3 et_pb_contact_field_half et_pb_contact_field_last" data-id="phoneno" data-type="input"> <label for="et_pb_contact_phoneno_0" class="et_pb_contact_form_label">Phone No.*</label> <input type="text" id="et_pb_contact_phoneno_0" class="input" value="" name="et_pb_contact_phoneno_0" data-required_mark="required" data-field_type="input" data-original_id="phoneno" placeholder="Phone No.*" pattern="[0-9\s-]*" title="Only numbers allowed."> </p><p class="et_pb_contact_field et_pb_contact_field_4 et_pb_contact_field_half" data-id="amount" data-type="input"> <label for="et_pb_contact_amount_0" class="et_pb_contact_form_label">Loan Amount*</label> <input type="text" id="et_pb_contact_amount_0" class="input" value="" name="et_pb_contact_amount_0" data-required_mark="required" data-field_type="input" data-original_id="amount" placeholder="Loan Amount*"> </p><p class="et_pb_contact_field et_pb_contact_field_5 et_pb_contact_field_half et_pb_contact_field_last" data-id="dateofbirth" data-type="input"> <label for="et_pb_contact_dateofbirth_0" class="et_pb_contact_form_label">Date of Birth*</label> <input type="text" id="et_pb_contact_dateofbirth_0" class="input" value="" name="et_pb_contact_dateofbirth_0" data-required_mark="required" data-field_type="input" data-original_id="dateofbirth" placeholder="Date of Birth*"> </p><p class="et_pb_contact_field et_pb_contact_field_6 et_pb_contact_field_half" data-id="city" data-type="input"> <label for="et_pb_contact_city_0" class="et_pb_contact_form_label">City*</label> <input type="text" id="et_pb_contact_city_0" class="input" value="" name="et_pb_contact_city_0" data-required_mark="required" data-field_type="input" data-original_id="city" placeholder="City*"> </p><p class="et_pb_contact_field et_pb_contact_field_7 et_pb_contact_field_half et_pb_contact_field_last" data-id="monthlyincome" data-type="input"> <label for="et_pb_contact_monthlyincome_0" class="et_pb_contact_form_label">Estimated Monthly Income</label> <input type="text" id="et_pb_contact_monthlyincome_0" class="input" value="" name="et_pb_contact_monthlyincome_0" data-required_mark="required" data-field_type="input" data-original_id="monthlyincome" placeholder="Estimated Monthly Income"> </p><p class="et_pb_contact_field et_pb_contact_field_8 et_pb_contact_field_half" data-id="typeofloan" data-type="select"> <label for="et_pb_contact_typeofloan_0" class="et_pb_contact_form_label">Type of Loan*</label> <select id="et_pb_contact_typeofloan_0" class="et_pb_contact_select input" name="et_pb_contact_typeofloan_0" data-required_mark="required" data-field_type="select" data-original_id="typeofloan"> <option value="">Type of Loan*</option><option value="Personal Loan">Personal Loan</option><option value="Debt Consolidation">Debt Consolidation</option><option value="Car Loan">Car Loan</option><option value="Holiday Loan">Holiday Loan</option><option value="Moving Home">Moving Home</option><option value="Business Loan">Business Loan</option><option value="Studies Loan">Studies Loan</option><option value="Wedding Loan">Wedding Loan</option><option value="Home Loan">Home Loan</option><option value="Home Renovation">Home Renovation</option><option value="Truck Loan">Truck Loan</option> </select> </p><p class="et_pb_contact_field et_pb_contact_field_9 et_pb_contact_field_half et_pb_contact_field_last" data-id="besttimetocall" data-type="select"> <label for="et_pb_contact_besttimetocall_0" class="et_pb_contact_form_label">Credit Rating*</label> <select id="et_pb_contact_besttimetocall_0" class="et_pb_contact_select input" name="et_pb_contact_besttimetocall_0" data-required_mark="required" data-field_type="select" data-original_id="besttimetocall"> <option value="">Credit Rating*</option><option value="Excellent">Excellent</option><option value="Good">Good</option><option value="Bad">Bad</option><option value="Unsure">Unsure</option> </select> </p> <input type="hidden" value="et_contact_proccess" name="et_pb_contactform_submit_0"> <div class="et_contact_bottom_container"> <button type="submit" name="et_builder_submit_button" class="et_pb_contact_submit et_pb_button" data-icon="">Submit</button> </div> <input type="hidden" id="_wpnonce-et-pb-contact-form-submitted-0" name="_wpnonce-et-pb-contact-form-submitted-0" value="2ea50f005f"><input type="hidden" name="_wp_http_referer" value="/personal-loan/"> </form> </div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_1 et_section_regular"> <div class="et_pb_with_border et_pb_row et_pb_row_2"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h3 class="font_2 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_17 wixui-rich-text__text">Transparent and supportive lending</span></span></h3></div> </div><div class="et_pb_module et_pb_text et_pb_text_3 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><ul> <li class="font_8 wixui-rich-text__text"> <div id="text_block-496-30" class="ct-text-block">1 to 12 year loan terms available</div> </li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span>Unsecured and secured</span></span></span></li> <li><span>No account keeping fees, no prepayment payment fees and no early exit fees</span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span></span></span></span></li> <li><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span>Weekly, fortnightly or monthly repayments</span></span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">No penalties for early loan repayment</span></span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"></span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">APR – As low as 6.57%<br>(One of the lowest APR in the market)</span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span>Fixed rate of interest, meaning no repayment surprises</span></span></span></li> </ul></div> </div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="#personalform">Apply Now</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_2 et_section_regular"> <div class="et_pb_row et_pb_row_3"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_4 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2>Elegibility Criteria</h2></div> </div><div class="et_pb_module et_pb_text et_pb_text_5 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h4 style="text-align: center;">In order to apply for a personal loan, you must fulfil the following eligibility criteria.</h4></div> </div> </div> </div><div class="et_pb_row et_pb_row_4"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_4 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_blurb et_pb_blurb_0 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>You should be atleast 18 years or older.</span></h4> </div> </div> </div><div class="et_pb_module et_pb_blurb et_pb_blurb_1 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Have no defaults (paid or unpaid) or active payday loans</span></h4> </div> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_5 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_blurb et_pb_blurb_2 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>You should be an Australian citizen or permanent resident</span></h4> </div> </div> </div><div class="et_pb_module et_pb_blurb et_pb_blurb_3 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Centrelink can be used as a secondary income with regular income.</span></h4> </div> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_6 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_blurb et_pb_blurb_4 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Be in active employment or receive a pension.</span></h4> </div> </div> </div><div class="et_pb_module et_pb_blurb et_pb_blurb_5 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Not be a current or prior bankrupt or be party to a court judgement.</span></h4> </div> </div> </div><div class="et_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_1 et_pb_bg_layout_light" href="#personalform">Apply Now</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_3 et_section_regular"> <div class="et_pb_row et_pb_row_5"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_7 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_0 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/stylish-young-man-with-glasses-posing-SBI-300988656-1-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>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!</span></p></div></div> <span class="et_pb_testimonial_author">Bruce</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_8 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_1 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/joyful-woman-on-a-deep-blue-backdrop-SBI-317640019-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p style="text-align: left;"><span style="font-family: Besley; font-weight: normal;">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!</span></p></div></div> <span class="et_pb_testimonial_author">Olivia</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_9 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_2 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/smiling-senior-man-in-blue-sweater-arms-crossed-studio-shot-against-white-wall-SBI-305235049-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>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!</span></p></div></div> <span class="et_pb_testimonial_author">Liam</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div> </div><div class="et_pb_row et_pb_row_6"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_10 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h4 style="text-align: center;"><strong>1097+ Satisfied Home Buyers and The Next Can Be You!</strong></h4></div> </div><div class="et_pb_button_module_wrapper et_pb_button_2_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_2 et_pb_bg_layout_light" href="#personalform">Apply Now</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_4 et_section_regular"> <div class="et_pb_with_border et_pb_row et_pb_row_7 et_pb_equal_columns"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_11 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_7 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1><strong>Why Choose Us for a Personal Loan?</strong></h1></div> </div><div class="et_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p></div> </div><div class="et_pb_button_module_wrapper et_pb_button_3_wrapper et_pb_module "> <a class="et_pb_button et_pb_button_3 et_pb_bg_layout_light" href="#personalform">Apply Now</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_5 et_section_regular"> <div class="et_pb_row et_pb_row_8"> <div class="et_pb_column et_pb_column_2_5 et_pb_column_12 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_0"> <span class="et_pb_image_wrap "><img fetchpriority="high" decoding="async" width="520" height="465" alt="" title="about-lg2" data-srcset="https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2.jpg 520w, https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2-300x268.jpg 300w" sizes="(max-width: 520px) 100vw, 520px" data-src="https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2.jpg" class="wp-image-296 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img fetchpriority="high" decoding="async" width="520" height="465" src="https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2.jpg" alt="" title="about-lg2" srcset="https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2.jpg 520w, https://credit4u.com.au/wp-content/uploads/2022/12/about-lg2-300x268.jpg 300w" sizes="(max-width: 520px) 100vw, 520px" class="wp-image-296" /></noscript></span> </div> </div><div class="et_pb_column et_pb_column_3_5 et_pb_column_13 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_9 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2>How does it work?</h2></div> </div><div class="et_pb_module et_pb_text et_pb_text_10 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p></div> </div><div class="et_pb_button_module_wrapper et_pb_button_4_wrapper et_pb_module "> <a class="et_pb_button et_pb_button_4 et_pb_bg_layout_light" href="#personalform">Apply Now</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_6 et_section_regular"> <div class="et_pb_row et_pb_row_9"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_14 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_11 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2>Frequently Asked Questions about Personal Loan</h2></div> </div><div class="et_pb_module et_pb_accordion et_pb_accordion_0"> <div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_0 et_pb_toggle_open"> <h5 class="et_pb_toggle_title">Can I get a personal loan if I have bad credit?</h5> <div class="et_pb_toggle_content clearfix"><p><span>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</span><span>.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_1 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">How do I know if a personal loan is the right option for me?</h5> <div class="et_pb_toggle_content clearfix"><p><span>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.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_2 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">Can I repay my personal loan early?</h5> <div class="et_pb_toggle_content clearfix"><p><span>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.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_3 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What is the application process for a personal loan?</h5> <div class="et_pb_toggle_content clearfix"><p><span>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.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_4 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">How long does it take to get approved for a personal loan?</h5> <div class="et_pb_toggle_content clearfix"><p><span>Our goal is to provide quick and efficient service. We strive to provide prompt approvals to meet your financial needs.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_5 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What are the interest rates for personal loans?</h5> <div class="et_pb_toggle_content clearfix"><p><span>We offer competitive interest rates as low as 5.35% p.a. (6.14% p.a. comparison rate).</span></p></div> </div> </div><div class="et_pb_module et_pb_text et_pb_text_12 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p>Disclaimer :<br>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.<br>^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.<br>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%</p></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_8 et_pb_with_background et_section_regular"> <span class="et_pb_background_pattern"></span> <div class="et_pb_row et_pb_row_10"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_15 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_1"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="678" height="146" alt="" title="White credit 4 u logo" data-srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" class="wp-image-672 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="678" height="146" src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" alt="" title="White credit 4 u logo" srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" class="wp-image-672" /></noscript></span> </div><div class="et_pb_module et_pb_text et_pb_text_13 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400;">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.</span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_16 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_blurb et_pb_blurb_6 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone et-pb-icon"></span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Quick Link</span></h4> <div class="et_pb_blurb_description"><p><a href="https://credit4u.com.au" target="_blank" rel="noopener">Home</a></p> <p><a href="https://credit4u.com.au/about-us-2/" target="_blank" rel="noopener">About Us</a></p> <p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Contact Us</a></p> <p><a href="https://credit4u.com.au/faqz/" target="_blank" rel="noopener">Faqs</a></p> <p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Apply Now</a></p></div> </div> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_17 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_blurb et_pb_blurb_7 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><a href="https://credit4u.com.au/contact-us/" target="_blank"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img loading="lazy" decoding="async" width="64" height="64" alt="" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="64" height="64" src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" alt="" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673" /></noscript></span></a></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><a href="https://credit4u.com.au/contact-us/" target="_blank">Contact Us</a></h4> <div class="et_pb_blurb_description"><p>Credit4u.com.au collects data for Local Capital Pty. 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We express our heartfelt respect for First Nations people and their Elders, past and present.</span></p></div> </div> </div> </div><div class="et_pb_row et_pb_row_12"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_19 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_15 et_pb_text_align_center et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h3><span>Disclaimer</span></h3></div> </div><div class="et_pb_module et_pb_text et_pb_text_16 et_pb_text_align_center et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span>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.</span></p></div> </div> </div> </div><div class="et_pb_with_border et_pb_row et_pb_row_13"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_20 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_text et_pb_text_17 et_pb_text_align_left et_pb_text_align_center-tablet et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p>Copyright <span>© 2023 | <a href="https://credit4u.com.au/">Credit4u.com.au</a></span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_21 et_pb_css_mix_blend_mode_passthrough"> <ul class="et_pb_module et_pb_social_media_follow et_pb_social_media_follow_0 clearfix et_pb_text_align_center et_pb_bg_layout_light"> <li class="et_pb_social_media_follow_network_0 et_pb_social_icon et_pb_social_network_link et-social-facebook"><a href="https://credit4u.com.au/contact-us/" class="icon et_pb_with_border" title="Follow on Facebook" 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