What Is a Personal Loan?

A personal loan is a fixed-rate loan that helps you finance major expenses without using your home as security. We offer both secured and unsecured personal loans with flexible terms and fast approvals. Whether you’re planning a holiday, consolidating debts, or covering unexpected expenses, we make the process easy and stress-free.Our Personal Loans are designed to be simple, fast and flexible, giving you full control over your financial goals.Whether you need funds for big purchases or everyday expenses, our Personal Loans provide competitive options for all situations.

Types of Personal Loans We Offer

• Unsecured Personal Loans
• Secured Personal Loans
• Debt Consolidation Loans
• Car & Vehicle Personal Loans
• Medical & Emergency Loans
• Holiday & Travel Loans
• Renovation & Home Improvement Loans

How Personal Loans Work

Personal loans provide quick access to funds with predictable repayments over a fixed period. Lenders assess your income, credit profile, and borrowing capacity to determine your rate. We compare 40+ lenders to secure competitive options for all financial situations.

Personal loans can help with consolidating debt, managing large purchases, funding events, or supporting lifestyle goals. Our brokers negotiate with lenders to ensure you receive the best structure and lowest possible rates.

Who Can Apply for a Personal Loan?

• Full-time, part-time, or self-employed applicants
• Australian citizens or permanent residents
• Anyone with steady income
• Borrowing amounts between $5,000 and $75,000
• Applicants seeking fast, flexible funding

Why Choose Kickstart Finance Group?

• Access to 40+ banks and lenders
• Fast approvals and competitive rates
• Flexible loan terms tailored to your needs
• Options for all credit profiles
• Support from application to settlement

Personal Loans — Frequently Asked Questions

What can Personal Loans be used for?

Personal Loans can be used for almost any purpose including holidays, weddings, medical bills, car purchases, debt consolidation, education expenses, renovations and more. They offer flexible access to funds with predictable repayments.

How much can I borrow with a Personal Loan?

You can borrow between $5,000 and $75,000 depending on your income, credit score and lender criteria. Some lenders may allow higher limits for secured Personal Loans.

Are Personal Loans secured or unsecured?

We offer both secured and unsecured Personal Loans. Secured loans usually come with lower interest rates, while unsecured loans allow you to borrow without providing an asset as security.

How fast can I get approved?

Most Personal Loans can be conditionally approved within 24 hours. Some lenders offer same-day approvals depending on documentation and credit profile.

Do Personal Loans affect my credit score?

Applying for a Personal Loan may leave a credit enquiry, but making repayments on time can help improve your credit score. We guide you through options that suit your financial goals.

Why choose Kickstart Finance Group for Personal Loans?

We compare 40+ lenders to find the sharpest rates, flexible terms and fast approvals. Our brokers handle everything from application to settlement, ensuring a smooth and stress-free experience.