Personal Loans
we’ll make personal loans easy for you, because
You should be planning life’s big moments, not chasing paperwork
For many Australians, the hardest part of tackling big expenses isn’t the cost itself, it’s figuring out how to fund it. Whether it’s medical bills, a wedding, home renovations, or even consolidating debts, banks often make borrowing harder than it needs to be with strict requirements, confusing terms, and delays.
At Lodestar Finance, we keep it simple, clear, and fast. We help you find the right personal loan so you can focus on what really matters, living your life.
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How It Works
Personal lending in Australia is straightforward, but every lender has their own rules. Here’s what to expect:
Show You Can Repay
Lenders want to see steady income and that you can manage repayments, even if your circumstances change.
Secured or Unsecured
Some loans need an asset like a car as security, while others are unsecured. The right option depends on your situation.
Loan Size Matters
Smaller loans are often easier to approve, while bigger amounts may require more checks.
Approval Times Vary
Some lenders can approve within days, others take longer. We’ll connect you with the ones who move at your pace.
Who’s Eligible?
Be at least 18 years old
Be an Australian citizen or permanent resident
Show proof of income such as payslips, tax returns, or bank statements
Have a reasonable credit history
Explain the purpose of the loan such as debt consolidation, wedding, medical costs, or renovations
What Can You Use It For?
Personal loans are incredibly versatile and can be used for just about anything that makes life easier. Whether it’s covering unexpected medical bills, planning a wedding, renovating your home, upgrading furniture, or even buying a new car, a personal loan can give you the breathing room you need. Many Australians also use them to consolidate multiple debts into one manageable repayment or to finally take that well-deserved holiday without the stress of waiting years to save.
With Lodestar Finance
You don’t have to figure it out alone! We'll help you with:
Check Your Eligibility
We’ll review your situation and confirm if you qualify for the loan options available.
Find the Right Lender
Not every bank has the same rules. We compare across the market and connect you with lenders that actually suit your needs.
Handle the Paperwork
Applications, documents, deadlines — we manage the details so you don’t have to stress about missing a thing.
Guide You Every Step
From the first chat to settlement day, you’ll have real experts explaining your options in plain language and making sure everything runs smoothly.
Loan Types You Can Choose From
FAQs
Frequently Asked Questions
It depends on your income, expenses, and credit history. Most lenders offer between $5,000 and $50,000.
Not always. Secured loans can get you lower rates, but unsecured options are available too.
Some lenders approve within 24–48 hours, while others may take a few days.
Pretty much. Medical bills, weddings, renovations, holidays, even debt consolidation — it’s your choice.
One application won’t ruin it, but multiple applications in a short time can.
Yes, many lenders allow it. Some charge small break fees, others don’t.
It’s not the end of the world. Some lenders are more flexible than banks.
Banks only show their products. We compare many lenders, explain the fine print, and speed things up.