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Welcome to our beginner's guide on personal loans during financial hardship. Navigating financial challenges can be overwhelming, but personal loans could serve as a viable solution. This article will cover what personal loans are, how they work, and why they might be beneficial during tough times. - read more
It is no secret that the foundation of financial well-being is rooted in effective budgeting. In today's fast-paced world, where consumerism reigns, understanding how to manage one's finances has never been more crucial. Budgeting is not merely about restraining spending; it’s about creating a strategic plan that aligns with your financial goals and lifestyle. It allows individuals to gain control over their money, rather than letting their spending habits dictate their life course. - read more
Your credit score is a numerical representation of your financial trustworthiness. Lenders use this score to assess the risk of lending you money. - read more
Personal loans can be a valuable financial tool when used wisely. They can help you cover unexpected expenses, consolidate debt, or even fund major purchases. However, it's crucial to understand the implications of taking out a personal loan, especially if you have bad credit. - read more
Debt can often feel like a formidable obstacle on the path to financial stability. Many individuals battle with various forms of debt, from high-interest credit cards to significant loans that seem to have an unyielding grip on their financial lives. Recognizing the challenges that debt presents is the critical first step towards regaining control of your personal finances. - read more
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - read more
Interest rates play a vital role when it comes to borrowing money. They determine how much extra you'll pay on top of the amount you've borrowed. - read more
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
Credit scores play a crucial role in your financial life, influencing your ability to access loans, credit cards, and even housing rentals. In Australia, your credit score is a numerical representation of your creditworthiness, which lenders use to assess the risk of lending to you. - read more
The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review into the practices of payday lenders, uncovering potential breaches of consumer protection laws. This scrutiny comes in the wake of reforms introduced under the Financial Service Reform Act 2022 (FSR Act), aimed at enhancing safeguards for consumers engaging with small amount credit contracts. - read more
Harmoney, a prominent Australian non-bank lender, has expanded its offerings to include small personal loans designed to meet the diverse needs of consumers. These loans range from $2,000 to $100,000, with interest rates starting from 5.76% per annum, tailored to each individual's credit profile. - read more
Swoosh Finance, an Australian online lender, is offering small cash loans ranging from $2,200 to $5,000, with a streamlined application process that can result in same-day approval. This service is designed to provide quick financial relief for individuals facing unexpected expenses or short-term cash flow challenges. - read more
The Reserve Bank of Australia's (RBA) recent decision to cut the official cash rate by 0.25% has had a significant impact on the small business sector. In the three months following the February rate cut, small business lending volumes surged by 40% year-on-year, according to data from SME lender OnDeck Australia. This uptick suggests a renewed confidence among small business owners, who are leveraging the lower interest rates to invest in growth and expansion. - read more
Recent findings from ScotPac's SME Growth Index Report reveal a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs). Over half (54%) of SMEs plan to utilise non-bank lenders for business investment in the next six months, marking a notable increase from 47% recorded a year ago. This trend indicates a growing inclination among SMEs to seek alternative financing solutions that offer greater flexibility and accessibility. - read more
In a move to support self-employed Australians, non-bank lender Rate Money has announced significant reductions in interest rates across its 'Evolve Easy Doc' loan range. Effective from June 30, 2025, the new rates start from 6.64% per annum, aiming to provide more accessible financing options for small business owners and self-employed individuals. - read more
Renown Lending has announced a significant partnership with Marlbury Capital, securing a $100 million facility to expand asset-backed loans for Australian small and medium-sized enterprises (SMEs). This initiative is designed to offer fast, simple, and flexible financing solutions, enabling business owners to seize opportunities, manage cash flow, and stabilize operations. - read more
The Australian Securities and Investments Commission (ASIC) has recently expressed concerns regarding the compliance practices of certain small credit lenders. A comprehensive review conducted by ASIC revealed that some providers of small amount credit contracts (SACCs) may be steering vulnerable consumers towards financial products that offer fewer protections, potentially exposing them to increased financial risk. - read more
In a significant development for Australia's small and medium-sized enterprises (SMEs), recent interest rate cuts by the Reserve Bank of Australia (RBA) have led to a notable increase in small business loan applications. This trend underscores a renewed sense of optimism among business owners, eager to leverage more favourable borrowing conditions to drive growth and expansion. - read more
