Small Loans Australia

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Small Loans Australia :: Calculators

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Small Loans Australia Car Loan Repayment Calculator

Calculate car loan repayments with our Car Loan Repayment Calculator. View detailed amortization charts to compare terms, track interest, and plan your budget with confidence.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Car Loan Repayment & Amortisation Calculator

Important!

Car Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Car Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

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Personal Loans Articles

A Beginner's Guide to Personal Loans During Financial Hardship

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

How to Create a Budget That Really Works for You

Budgeting is a foundational skill in the realm of personal finance, and as crucial as setting the sails is to a captain navigating through treacherous waters. Just as steady winds propel a ship towards its destination, a well-structured budget guides individuals towards their financial goals with confidence and control. - read more

Tips for Choosing the Right Type of Loan for Your Financial Situation

Loans can play a significant role in shaping our financial landscapes. For many Australians, they are vital tools for achieving milestones like buying a home, financing education, or starting a business. However, selecting the wrong type of loan can have a detrimental impact on your financial health, leaving you with unwanted debt and stress. - read more

Bad Credit? Here's How You Can Still Get a Competitive Personal Loan

In the landscape of modern finance, credit scores can often feel like gatekeepers to our goals, barring or granting access to essential funding when we need it most. The truth is, debt is as common as it is complex, threading through the lives of many with silent tenacity. Understanding its prevalence is the first step in navigating the choppy financial waters it can create. - read more

Creating a Financial Safety Net: Insurance and Savings Tips for Young Families

Welcome to our blog! For young families, securing your future often requires careful planning and prudent financial decisions. One of the most crucial steps you can take in this journey is creating a financial safety net. - read more

Smart Budgeting Tips to Improve Your Financial Health

Smart budgeting is one of the most vital tools in maintaining and improving your financial health. It provides a clear picture of your financial situation, helping you make informed decisions about spending, saving, and borrowing. - read more

Debt Consolidation Strategies: How to Regain Control of Your Finances

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

Quick Fixes for Common Credit Score Issues in Australia

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

Bad Credit? No Problem! How to Get a Small Personal Loan Fast

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

Finance News

ASIC Highlights Compliance Concerns Among Payday Lenders

06 Nov 2025: Paige Estritori

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 Introduces Tailored Small Personal Loans

06 Nov 2025: Paige Estritori

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 Delivers Quick Small Cash Loans Online

06 Nov 2025: Paige Estritori

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

RBA's Interest Rate Reduction Fuels Surge in SME Lending

29 Oct 2025: Paige Estritori

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

Australian SMEs Increasingly Turn to Non-Bank Lenders for Investment

29 Oct 2025: Paige Estritori

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

Rate Money Announces Rate Reductions for Self-Employed Borrowers

21 Oct 2025: Paige Estritori

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 Partners with Marlbury Capital to Expand SME Asset-Backed Loans

21 Oct 2025: Paige Estritori

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

ASIC Highlights Compliance Issues Among Small Credit Lenders

21 Oct 2025: Paige Estritori

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

Small Business Lending Surges After RBA's Interest Rate Reductions

13 Oct 2025: Paige Estritori

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

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Knowledgebase

Closing Costs:
The expenses over and above the price of the property incurred by buyers and sellers when transferring ownership of a property.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.