[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text columns="" column_min_width="" column_spacing="" rule_style="" rule_size="" rule_color="" hue="" saturation="" lightness="" alpha="" content_alignment_medium="" content_alignment_small="" content_alignment="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" class="" id="" margin_top="" margin_right="" margin_bottom="" margin_left="" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" line_height="" letter_spacing="" text_transform="" text_color="var(--awb-color3)" animation_type="" animation_direction="left" animation_color="" animation_speed="0.3" animation_delay="0" animation_offset=""] Ute loans break down the cost of the ute into affordable monthly repayments, giving you the ability to buy a newer or more reliable ute than you could otherwise. Ute loans generally use the vehicle as security for the finance contract and offer flexible repayment terms, easy approvals and in some cases no deposits. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How fast are approvals?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] When all the required information is provided, lenders generally respond the same day with an outcome. But some more complex applications may take between 24-48 hours. Please provide your details through our online application and one of our finance partners will be in touch with you shortly. Our Partners aim for an outcome the same day. They can then send funds to you in less than 24 hours - provided all the required information is at hand. Approvals can last up to 90 days, so get 'Pre Approved' today. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How fast are approvals?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] When all the required information is provided, lenders generally respond the same day with an outcome. But some more complex applications may take between 24-48 hours. Please provide your details through our online application and one of our finance partners will be in touch with you shortly. Our Partners aim for an outcome the same day. They can then send funds to you in less than 24 hours - provided all the required information is at hand. Approvals can last up to 90 days, so get 'Pre Approved' today. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How much can I borrow?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] Depending on your income, your credit score and what you plan to use the money for, you’ll be able to borrow between $10,000 and $200,000. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] The minimum qualification requirements for a home improvement loan are: You must be over 18 years of age Be employed or self-employed Have a minimum income before tax and super of $23,000 Be a Permanent Resident or Citizen Each lender reserves the right to include further credit criteria. These criteria ensure loan affordability and confirm the creditworthiness of the applicant. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

What is a personal loan?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] A personal loan allows you to borrow a sum of money and then repay it over time, with interest. These loans can be either secured (where the finance company takes an asset as security) or unsecured (where only your personal guarantee is required). Personal loans are often a fast way to access cash for a wide variety of purposes. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Will it affect my credit score?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] Making an enquiry to discuss your circumstances, get finance quotes and fact-find will not affect your credit score. You can discuss all your requirements with a loan specialist. When you are happy with your indicative quotations and wish to proceed, the lender may perform a ‘hard’ credit search. This is normal and is noted on your credit history. It can affect your credit score, so your consent is required before this happens. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Can I use a personal loan for business purposes?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] You can use a personal loan for many different purposes, including starting a business or developing business ideas. However, there are specific and more suitable business loan products that are designed to support established businesses that have been trading for longer than 6 months. P lease click here to learn more. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] We have access to 40+ lenders across the market, so whether you have excellent or bad credit we have options available. You will, however, have a better chance of getting approved if you have a higher credit score. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How fast are approvals?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" background_blend_mode="overlay" first="true" min_height="" link=""][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" fusion_font_family_text_font="Open Sans" fusion_font_variant_text_font="400" font_size="16" text_color="var(--awb-color3)" animation_direction="left" animation_speed="0.3"] When all the required information is provided, lenders generally respond the same day with an outcome. But some more complex applications may take between 24-48 hours. Please provide your details through our online application and one of our finance partners will be in touch with you shortly. Our Partners aim for an outcome the same day. They can then send funds to you in less than 24 hours - provided all the required information is at hand. Approvals can last up to 90 days, so get 'Pre Approved' today. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

FAQs Archive - Geared Loans

PO Box 613, Collins Street West, Melbourne VIC 8007

What is a ute loan?

How fast are approvals?

How fast are approvals?

How much can I borrow?

Do I qualify?

What is a personal loan?

Will it affect my credit score?

Can I use a personal loan for business purposes?

Bad credit score?

How fast are approvals?

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