A personal loan is money you use for your own reasons: consolidating debts, covering a medical bill, a wedding, a holiday or a move. One application goes to a panel of 60+ Australian lenders, including lenders who look past a low credit score.
Estimate only. Actual rate, fees and approval depend on lender assessment and responsible lending.
Estimate only. Actual rate, fees, loan amount and approval depend on lender criteria, your affordability and responsible lending obligations.
From a car or a truck to equipment, working capital and a business line of credit, we match you to the right lender across 60+ options. Instant quote, no obligation, no credit score hit.
Answer every question for an accurate result.
Answer a few simple questions, one at a time. Takes only minutes.
We review your situation across 60+ lenders, bad credit and visa options included.
We come back with an indicative quote and a clear path to approval.
Once approved, funds are settled and you get moving.
“Two banks knocked me back over an old default. Velox looked at where I'm at now and had me approved for a car within days.”
“I'm on a working visa and thought finance was off the table. They found a lender who understood my situation. So easy.”
“Self employed with a newish ABN, the whole thing was one online form and a quick call. Funds sorted for the new ute.”
Illustrative examples. Individual outcomes depend on your circumstances and lender assessment.
Still unsure if you qualify? The quickest way to find out is a free, no obligation eligibility check.
Often, yes. We look at your current situation, not just your credit file. Past defaults, missed payments or a low score don't automatically rule you out, we assess affordability across a panel of 60+ lenders, including specialist lenders who consider bad credit.
Yes. We have options for eligible working visa and student visa holders, as well as permanent residents. The available lenders and rates depend on your visa type, income and time in Australia.
Absolutely. Self employed applicants and newer ABNs are welcome. Depending on the lender we may ask for ABN history, bank statements or an accountant's details to confirm your income.
Starting an enquiry or getting an indicative quote does not affect your credit score. A formal credit check only happens later, with your consent, once you choose to proceed with a full application.
The eligibility check takes minutes and you'll see an indicative quote straight away. Once you submit a full application, our team typically reviews it and comes back to you the same or next business day.
No. Every quote and eligibility result is an estimate only. Actual approval, rate, fees and repayments depend on the lender's assessment, your affordability and responsible lending obligations.
A free, no obligation eligibility check takes two minutes, and it won't affect your credit score.
