What can I use a personal loan for?

Personal loans can be used for debt consolidation, home improvements, medical expenses, weddings, travel, education, and any legitimate personal expense.

What's the difference between secured and unsecured personal loans?

Unsecured loans don't require collateral but have higher rates (12-25% p.a.) and lower limits ($5k-$30k). Secured loans use an asset as security, offering lower rates (8-18% p.a.) and higher limits ($10k-$50k+).

Can I get a personal loan with bad credit?

Yes. We work with specialist lenders who consider your full circumstances. Bad credit personal loans may have higher rates and smaller limits, but options exist.

Personal Loans for South East Queensland Residents

Fast personal loans from $5,000 to $50,000 for debt consolidation, home improvements, and life's big moments.

Get Your Personal Loan Sorted →Use the Calculator

Fast Approvals• $5,000 - $50,000• Credit Score Protection• 5-Star Google Reviews

What You Can Use a Personal Loan For

Debt Consolidation

Roll multiple debts into one loan with one repayment and potentially lower rate.

Home Improvements

Renovations, repairs, landscaping, solar, and home upgrades.

Medical & Dental

Surgeries, dental work, fertility treatments, and health expenses.

Weddings & Events

Cover wedding costs, milestone celebrations, and special occasions.

Travel & Holidays

Dream holidays, honeymoons, and travel experiences.

Education & Training

Courses, certifications, and professional development.

Unsecured vs Secured Personal Loans

Unsecured Personal Loans

No collateral required
$5,000 to $30,000
Competitive Rates from 55+ Lenders
Terms 1-5 years

Best for: Smaller amounts without risking assets.

Secured Personal Loans

Secured by vehicle or property
$10,000 to $50,000+
Competitive Rates from 55+ Lenders
Terms 1-7 years

Best for: Larger amounts with better rates by offering security.

Why Choose loan-o for Personal Loans in SEQ

Local SEQ Specialists

We understand South East Queensland residents and their needs.

Fast Responses

Most applications receive initial feedback within 24-48 hours.

55+ Lenders

We compare options to find the right fit for your situation.

Credit Score Protection

Soft checks initially. Hard enquiries only when you proceed.

Bad Credit Options

Specialist lenders who look beyond your credit score.

Clear Communication

Plain English explanations. No jargon.

How Personal Loans Work with loan-o

Apply Online

Quick form, 5 mins

Upload Documents

ID and income proof

We Compare

Find the best match

Choose Loan

You decide

Funds Transfer

Money in your account

Eligibility Requirements

Australian resident or permanent visa
18 years or older
Regular income (employed, self-employed, or benefits)
Valid ID (driver licence or passport)
Australian bank account

Amounts, Terms & Rates

Loan Amounts$5,000 to $50,000

Terms1 to 7 years

RatesCompetitive Rates from 55+ Lenders suited to your specific situation

RepaymentsWeekly, fortnightly, or monthly

Personal Loans Across South East Queensland

BrisbaneGold CoastSunshine CoastIpswichToowoombaGympieRegional SEQ

Personal Loan FAQs

Ready to Get Your Personal Loan Sorted?

$5,000 to $50,000 | Fast approvals | Bad credit options available