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Are you a broker? Broker Operating System →
MakeMyLoan

Clear loans. Straight answers. Better decisions. Australian finance broking across home, business, commercial, car, asset, SMSF, personal and bridging finance.

📞 1300 888 369
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© 2026 MakeMyLoan Pty Ltd · Credit Representative 389087, authorised under Australian Credit Licence 548289. All loan applications are subject to lender assessment and approval. Calculator results are estimates only and do not constitute credit advice or an offer of credit. Comparison rates are based on a $150,000 loan over 25 years and may not reflect the true cost of your loan. Consider whether any product is right for your circumstances — a licensed MakeMyLoan Pty Ltd broker will review every recommendation with you and provide a credit guide before any credit assistance is given. Call us on 1300 888 369 or email hello@makemyloan.com.au.
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Personal Loans

Personal finance, priced to your profile.

Weddings, renovations, medical costs or consolidating cards — compare rate-for-risk lenders without damaging your credit file with scattergun applications.

Loan Finder QuizStart application
Who this is for

Sound like you?

✓Borrowers consolidating card debt
✓Home renovators not ready to refinance
✓Anyone quoted 20%+ who deserves better
✓Strong profiles chasing single-digit rates
Common scenarios

How clients like you use this

Real situations we structure every week — each with its own lender shortlist.

Debt consolidation

Cards at 20%+ rolled into one loan at a fraction of the rate — with the cards closed so the debt actually dies.

Renovation top-up alternative

Sub-$50k renos can be cheaper and faster via personal loan than a full refinance, once fees are counted.

Rate-for-risk shopping

Excellent credit deserves single-digit rates. We match your profile to the lender that prices it best — one enquiry, not five.

Get ahead

Documents you'll need

Having these ready can shave days off approval. Your portal checklist personalises this list once you apply.

  • 📄 Photo ID
  • 📄 2 payslips
  • 📄 3 months bank statements
  • 📄 Details of debts being consolidated
The journey

How the process works

  1. 1Profile and purpose review
  2. 2Soft-match to likely rates
  3. 3One application to the right lender
  4. 4Funding — often within 48 hours
Why use a broker

What you get that going direct won't give you

✓One enquiry instead of five protects your score
✓Real APR comparison including fees
✓Consolidation maths done honestly — including 'don't'
✓Early payout terms checked
Good questions

Frequently asked

What rate will I get?+

Excellent profiles: from ~8%. Average: 12–17%. Past credit events price higher. Your rate is set by your profile — we find who prices it best.

Secured or unsecured?+

Unsecured is standard for most purposes. Secured (against a vehicle) can cut the rate if you have suitable security.

No obligation

Talk it through with a personal loans specialist

Leave your details and a MakeMyLoan broker will call to talk through your scenario — usually the same business day. Nothing is lodged and no credit check runs until you say go.

Privacy consent is required before credit checks or lender discussions.

Get personal loans help today

A MakeMyLoan broker will review your numbers and call you with real options — usually the same business day.

By submitting you agree to be contacted by MakeMyLoan about your enquiry. Your details are handled under our privacy policy — privacy consent is always captured before any credit checks or lender discussions.