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Personal Loans Articles

Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
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
Avoiding Common Pitfalls in Personal Loan Utilization
Avoiding Common Pitfalls in Personal Loan Utilization
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
Smart Budgeting Tips to Improve Your Financial Health
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
Budgeting 101: How to Get a Personal Loan Despite Bad Credit
Budgeting 101: How to Get a Personal Loan Despite Bad Credit
Smart budgeting is the cornerstone of financial health. It helps you understand where your money is going and empowers you to make informed financial decisions. In Australia, like everywhere else, a well-managed budget can significantly improve your quality of life and financial stability. - read more
Creating a Financial Safety Net: Insurance and Savings Tips for Young Families
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
The Path to Financial Freedom: Effective Debt Management Tips
The Path to Financial Freedom: Effective Debt Management Tips
Financial freedom is the ability to live life without being burdened by the stress of money woes. Imagine having enough savings to cover emergencies, living comfortably without constant financial anxiety, and even planning for retirement confidently. This is the goal many Australians strive for – a peaceful and secure life that isn't dominated by worries about bills and debt. - read more
Interest Rates for Small Loans: Breaking Down the Basics
Interest Rates for Small Loans: Breaking Down the Basics
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
Bad Credit? Here's How You Can Still Get a Competitive Personal Loan
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
Understanding the Key Differences Between Secured and Unsecured Loans
Understanding the Key Differences Between Secured and Unsecured Loans
In simple terms, a loan is an amount of money you borrow from a lender and agree to pay back over time, often with interest. Loans come in various forms and can be tailored to suit different needs, such as buying a home, financing a car, or consolidating debt. - read more

Finance News

Government Extends Small Business Lending Exemption to 2026
Government Extends Small Business Lending Exemption to 2026
27 Sep 2025: Paige Estritori
The Australian government has announced an extension of the exemption from Responsible Lending Obligations (RLOs) for small businesses, now set to continue until October 3, 2026. This decision aims to facilitate easier access to credit for small and medium-sized enterprises (SMEs), recognizing their pivotal role in the national economy. - read more
AFCA Releases Guidance on Small Business Lending Complaints
AFCA Releases Guidance on Small Business Lending Complaints
27 Sep 2025: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has published its 'Approach to Lending to Small Business,' providing comprehensive guidance on how it considers complaints related to small business lending. This initiative aims to offer clarity and transparency for both financial firms and small business owners navigating lending disputes. - read more
Afterpay Reports BNPL Users Advised to Close Accounts for Mortgage Approval
Afterpay Reports BNPL Users Advised to Close Accounts for Mortgage Approval
27 Sep 2025: Paige Estritori
Afterpay, Australia's leading buy-now-pay-later (BNPL) provider, has reported that over 10% of its surveyed users were advised to close their BNPL accounts to qualify for a mortgage. Subsequently, these users were offered credit cards by the same banks or mortgage brokers, highlighting the competitive dynamics within the consumer finance sector. - read more

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Lien:
A legal claim against a property that must be paid off when the property is sold.


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