A few quick questions. About a minute.
Check your personal loan options
Answer a few quick questions and a licensed broker compares personal loans for you.
- No credit check at this step
- Free, no obligation
- YFG Approved broker
Every broker here is YFG Approved. Our founder, Andy McMaster, spends over two hours with each one, and we check their references, reviews and licence before they hear from you. How we vet
For debt consolidation, a renovation, a car or anything else. Your Finance Guide connects you with one licensed broker who compares personal loans from a panel of lenders and calls within one business day.
How much do you need?
A rough figure is fine.
Free matching, no obligation and no credit check at this step.
Personal loans: amounts, terms and costs
What the lenders our brokers work with offer. A broker gives you your own rate after the lender assesses you.
- Loan amounts
- $5,000 to $100,000
- Repayment period
- Minimum 1 year, maximum 7 years
- Maximum annual percentage rate
- 36.46% p.a.
- Representative example
- Personal loan, unsecured, $30,000 over 5 years at 12.99% p.a., comparison rate 14.36% p.a.*, establishment fee $495 (added to the loan), monthly fee $10, 60 monthly repayments of $703.70, total repayable $42,222.00.
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates and fees as at 13 October 2026. Your actual rate, fees and repayments depend on the lender’s assessment. This is not an offer of credit.
Brokers earn the YFG approval. They can lose it.
A licence is the minimum, not the standard. Before a broker hears from a single borrower they pass six checks, and they have to keep passing them. It takes us hours per broker, and it’s meant to.
Paying us doesn’t buy approval. A broker who fails a check doesn’t get enquiries at any price.
The YFG Approved standard: six checks
Two hours with the founder
Andy spends over two hours with every broker: how they work, how they write loans and how they look after people. If they can’t show they know their profession, it ends there.
References checked
We speak to people who have worked with them, so we hear how they operate when nobody is selling.
Reviews read
We read what their clients say about them in public, the hard reviews as well as the good ones.
Licence and accreditations
Their Australian Credit Licence or credit representative number, looked up on ASIC’s register, membership of AFCA (the free complaints scheme) and their accreditations.
Held to our rules
Your enquiry goes to them alone, not to a list, and they call within one business day, already knowing your answers.
Answerable to you
If a broker doesn’t call, doesn’t explain your options or doesn’t treat you well, tell us. We follow up every report, and a broker who falls short loses their YFG approval.
“We check every broker. I spend over two hours with each one to make sure they understand their profession, know how to write loans and get people what they need.”Andy McMaster, founder
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Read our Credit Guide.
“I got tired of seeing people get ripped off.”
So I built Your Finance Guide to be the benchmark.
I spent more than a decade in the property industry advising buyers and investors, and I got tired of seeing people get ripped off. So every broker here has sat with me for over two hours, and we have checked their references, reviews and accreditations, before they hear from you.
Andy McMasterFounder, Your Finance Guide · Why I built itHow it works
Step 1: Answer a few quick questions
The amount, what it’s for, your income and your credit history. About a minute, no credit check at this step.
Step 2: Confirm your mobile
A 6-digit code by text, so your answers reach the right person.
Step 3: Talk to one licensed broker
They call within one business day, compare lenders and give you your actual rate. No obligation.
See your personal loan options
Start nowPersonal loans: common questions
How much can I borrow with a personal loan?
The lenders brokers use lend from about $5,000 to $100,000. Most cap unsecured loans somewhere between $50,000 and $80,000, and the larger amounts usually need security such as a car. What you can borrow depends on your income, your other debts and your credit history.
Will this affect my credit score?
No. Your answers only decide which broker should call you. A credit enquiry happens only when you choose to apply with a lender.
What rate will I get?
The lender sets it after assessing you: your income, your credit history, the amount and the term. The box on this page shows the range and a worked example with every fee. We never quote a personal rate; the broker gives you your actual rate.
Can I consolidate my debts with a personal loan?
Yes. One loan pays out cards and other loans, leaving one repayment. It only saves money if the new rate and fees come in under what you pay now, and the cards are closed or their limits cut. The broker works that out with you before anything is signed.
What do I need to apply?
Photo ID, your two most recent payslips (or two years of tax returns if you are self-employed) and three months of bank statements. For a debt consolidation loan, add a recent statement for each debt.
How does Your Finance Guide make money?
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. You never pay us. Brokers are usually also paid a commission by the lender when a loan settles, so ask the broker you speak with how they are paid. Full details are in our Credit Guide.
See your personal loan options
Start now