Personal loans
Personal loans for real-life costs
Consolidating debts, covering an emergency, fixing up the house or rebuilding after a rough patch: how personal loans work and when they make sense.
Debt consolidation
Rolling credit cards, buy now pay later and old loans into one personal loan? The four tests that tell you if consolidation will help, and the traps to avoid.
Read more →Emergency loans
Need money fast for a car repair, a medical bill or an urgent trip? The cheaper options to try first, when a personal loan makes sense, and what to avoid.
Read more →Home improvement
Using a personal loan for a new kitchen, solar, a deck or urgent repairs? How to size the loan, handle quotes and variations, and keep the project on budget.
Read more →Bad credit personal loans
Need a personal loan with a damaged credit file? What lenders weigh, the moves that improve your odds, offers to walk away from, and how to rebuild.
Read more →Secured vs unsecured
Secured or unsecured personal loan? How each works, what's at stake if repayments stop, how the PPSR fits in, and a quick way to decide.
Read more →Got your number? See what's possible.
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