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Upgrading your car, Buying a caravan, Planning for your wedding or Consolidating debt. If you’ve got a purchase in mind or want to get in control of your finances, make it happen with Crest’s range of unsecured personal loans.
A personal loan allows you to borrow money to pay for something special or help fund a big purchase. At Crest, we offer unsecured personal loans that let you borrow money without using an asset as security (such as a house or a car). The benefit of an unsecured personal loan is that they often have shorter applications and approval process.
The team at Crest will help find you an unsecured personal loan, which suits your needs with competitive interest rates and fees.
What is an Unsecured Personal Loan?
If you choose to take out an unsecured personal loan, you do not need to provide an asset as security. If you fail to pay your loan repayments, lenders won’t have an asset to repossess. Therefore the loan is considered unsecured.
Unsecured Personal Loan Interest Rates
Generally unsecured personal loans can be up to the value of $50,000 over a period up to 7 years, with no asset provided as security. This feature makes an unsecured personal loan attractive for anyone wanting to get on top of their finances and take out a small loan. However, unsecured personal loans generally have a higher interest rate than that of secured loans. Beyond that, an unsecured personal loan is usually a fixed rate.
What is an Unsecured Personal Loan?
Large Expenses
An unsecured personal loan is a helpful option if you know you’ve got some significant expenses coming up and you don’t have enough money or assets upfront. This could include medical fees, home renovations, a wedding or a holiday.
Minimise Risk
If you provide assets such as a home or car against a loan, they may be at risk if you default on your payments over a long period of time. An unsecured loan is an option if you do not want to take that risk or do not have any assets that can be used as security.
Consolidate Debt
Get on top of your finances with the help of an unsecured personal loan. You can use this type of loan to refinance or consolidate multiple debts to save on maintenance fees and interest payments while simplifying your repayment options.
In Case of Emergencies
You never know what life will throw at you. Taking out a personal loan can help when an unexpected large financial expense has come your way, like a car repair or medical fees.
Crest Lending
Unsecured Car Loans
Do you need to upgrade your car but don’t have the financing upfront? Search for a car with confidence with the help of Crest Lending’s unsecured personal car loans. No matter what type of vehicle you need, be it car, caravan, boat, jet ski or motorbike, we can help.
Generally for a secured car loan the car used as security needs to be of a certain year model. If you’re looking at a vehicle outside this requirement, an unsecured car loan is borrowed without using the car as collateral or security for the loan, a lender will calculate your eligibility based on your income, expenses and credit score. In exchange for taking more risk, the loan will usually have a higher interest rate than a secured car loan.
Many banks and lenders offer unsecured car loans at competitive interest rates. We can help you access an unsecured loan and financing so you can borrow up to $50,000.
Loan Conditions
If you’re in a position to pay the loan out sooner, will there be additional repayment costs?
Borrowing More Than You Need. A personal loan can give you access to large sums of money, but it’s important only to borrow the amount you need so you don’t overwhelm yourself with unnecessary debt and additional fees.
Provide Accurate Information
A lender will ask you why you’re applying for the loan. Make sure you are upfront and honest, so you’re not liable in the future.
Additional Fees
There may be establishment fees associated with the overall cost of your loan. Make sure you speak to your personal loan broker about what these may be.
Managing Loan Repayments
Prepare a budget to ensure you have enough funds in your bank account to make loan repayments when they are due. You’ll likely be charged a late fee if you miss a payment
Advantages of a Crest Personal Loans Broker
A personal loan broker can help find you an unsecured personal loan suited to you and your financial situation. Instead of applying directly to a lender, such as any major bank, you apply via a broker who will then search the market and contact lenders they have good relationships with to find the right loan. Let Crest’s personal loan brokers compare the market and find the rate for you, with a wealth of experience, our brokers have an Australian credit license and are obliged by ASIC to protect your interests.
Find Personal Loans Gold Coast
As the name suggests, personal loans can be personal in nature and require careful consideration. Our team are Gold Coast locals who understand why other Gold Coast locals may need a personal loan.
Call us today to discuss all your lending options. We’ll walk you through our lending process before discussing your financial situation. We’ll then ask you some basic questions to kick start your application and understand your personal financial situation. Once we find a loan that suits you, we’ll manage the paperwork to get the funds in your account as soon as possible.
