1300 361 360

Let us find you a low rate and flexible unsecured personal loan today!

We have been helping our customers achieve their goals with low rate personal loans since 2007. Unsecured Personal Loans are a great option to finance just about anything without having an asset held as security for the loan. So whether you want to embark on a holiday, purchase some hobby equipment or just need a bit of extra cash for home renovations, we can find you a great unsecured personal loan to suit your budget and needs from our panel of over 20 leading Australian bank and non-bank lenders.

If it is a new car, boat, bike or campervan that you are after, we also specialise in Secured Loans which can provide even better finance rates with the asset held as security on the loan for flexible terms of 2-7 years.

Personal Loans are great options for:

Holiday now. Pay back over time.

Unsecured Personal Loans are a perfect way to book that holiday or 'once in a life time' overseas adventure and pay it off over time. Why not get finance pre-approved, and get ready to jump on those discounted holiday or flight deals as soon as you see them.

Consolidating your debts can save you money.

Sometimes life throws us curve balls, unexpected expenses and changes to our financial situation that can result in us having a couple of different loans or debts. An Unsecured Personal Loan is a great option if you want to consolidate your debts into easy monthly payment on one loan.

READ MORE

Easy extra cash to improve your investment.

If you are wanting a bit of extra cash to install much needed air conditioning and carpet in your house or need a more substantial amount to building an extension for cinema room or man cave, an Unsecured Personal Loan could provide you with the funds you need to upgrade your home with low rates and flexible terms.

Don't hold back on your hobbies.

Hobbies add a bit of fun and balance in our life but sometimes the equipment needed can be expensive. From woodworking lathes and photography equipment to kitesurfing boards and triathlon bikes, a Unsecured Personal Loan can provide the funds you need to kick start a new hobby or expand one you are already into.

Finance for health and wellbeing.

Unsecured Personal Loans can be the bit of help you need to fund a medical procedure, health or wellbeing goal. Such as laser eye surgery, cosmetic procedures, dental or even a wellness retreat!

Competitive
We have access to some of the lowest industry rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing finance options and rates from over 20 lenders.
Fast approvals
We work hard to get your loan approved fast. Same day approvals are available - ask us how!
Flexible terms
We find and compare loan options that best suits your needs and budget with flexible 1-7 year terms available.
How our rates compare
We access some of the industry's lowest rates and will always get you your best rate finance.

How our rates compare

We will always get you the best rate
360 Finance
8.28%*
ANZ
9.88%*
Westpac
10.17%*
St George
8.01%*
CBA
12.38%*
BOQ
11.71%*
RACQ
9.74%*
CUA
9.64%*
* The comparison rate helps you work out the total cost of a loan (including fees and charges) and to compare different loans. Data current as of 01/11/2021. Click to view data sources. Chart for illustrative purposes only. For further information on comparison rates, speak to one of our Finance Specialists.

Calculators

Calculators and rates

At today's lowest personal finance rate of 6.99%
(Comparison rate 8.28%) you'll pay approximately...

$ per *

At today's lowest personal finance rate of 6.99%
(Comparison rate 8.28%) you can borrow approximately...

$*

What makes us different?

Learn more

What makes us different?

Learn more

Useful articles

Everything you need to know about business car loans

If you’re looking to invest in vehicles for your business, there are numerous options for business car loans These include a chattel mortgage, hire purchase, lease,... Read More.
An easy-to-understand guide to novated leasing

When buying a vehicle, there are several financing options to help you afford the vehicle you need Car loans can be a good... Read More.
5 things to know about car loans before applying

Car loans can be a great option for people who need help buying the car they need It offers a more affordable way of purchasing a vehicle... Read More.
Top 10 caravan gadgets and upgrades

With international trips on hold for a while, there has never been a better time to explore our backyard  Australia is well known for... Read More.
What is a car loan comparison rate?

There can be numerous rates involved with a car loan, and it’s important to know what each of them cover, to ensure you can get the... Read More.
Calculating your car loan repayments

360 Finance Calculating your car loan repayments For those who don’t have the necessary finances to buy a car outright, car... Read More.
How to get the best interest rate for car finance

With any type of financing, you want to ensure you get the best possible deal Finding a car loan with a lower interest rate is no... Read More.
How to get a personal loan if I have a bad credit score

If you’ve missed payments on your credit card, bills, mortgage or any other type of debt, you may have a bad credit score  A... Read More.
Understanding your car loan repayments

Car loans are a great option for those wanting to buy a vehicle but unable to afford one without financial assistance  Applying for a... Read More.
Instant asset write-off

The recently released Federal Budget has provided much-needed relief to Australian businesses with an extension to the Instant Asset Write Off Scheme As revealed... Read More.
Financial ABC’s of Coping with COVID-19

360 Finance is committed to being the finance & insurance specialists you know and trust  We’ve been there for our customers through some of... Read More.
Our Women

What does International Women’s Day mean to you? For some, it means celebrating the achievements of women and the progress that has been made to reduce... Read More.
Your Roadmap to Financial Freedom

Imagine living how you want to without worrying about the financial expense Imagine having enough money to fund the lifestyle you desire Imagine being able to live... Read More.
How to Achieve Your Financial Goals This New Year

The start of the new year is relished by most of us because it’s the perfect opportunity to set some New Year’s Resolutions It’s the time to... Read More.
5 Steps To Take Before Applying For Finance

Taking out a loan for a car can seem like a daunting task You’re probably wondering what steps to take before applying for finance, so that you can purchase ... Read More.
The Not So Grey Nomads

ARE CARAVAN AND CAMPING HOLIDAYS STILL A PASTIME RESERVED FOR THE GREY NOMADS? New research has brought light to the misconception that camping and caravan holidays ... Read More.
6 Must Do Motorbike Road Trips in Australia

From coastal adventures to mountain road journeys that cut through the heart of Australia A road trip is one of the best ways to experience this country’s extraordinary array ... Read More.
Australia’s Top 10 Selling Cars in 2019

The vehicle landscape in Australia has seen a significant shift in buying habits over the last 12 months, most notably with SUV sales continuing to overtake passenger ... Read More.
Top Tips for Buying a Boat

Looking to buy your first boat?  Are you a boat enthusiast, water sport nut or something in between?  Then check out our top tips for buying a boat and ... Read More.
$30,000 Instant Asset Write-off

Please note that the information in this article is not current  To view the most up to date information on the Instant Asset Write-off, please visit this link  ... Read More.

Some of our lenders: