Take Control of Life’s Big Moments
Personal Loans
Whether it's a dream holiday, home renovation, special occasion, or unexpected expense—Fintell Finance offers personal loans that are tailored to your needs. With fast approvals, flexible repayment options, and transparent advice, we’re here to help you live life on your terms.
Fast, Flexible & Stress-Free Personal Loans
Hit the road sooner with personalized car finance designed to fit your lifestyle. We sift through leading lenders to deliver fast, straightforward deals—clear terms, no surprises, just the perfect match for you.
Unsecured Personal Loans
If you need quick access to cash without putting any assets on the line, our unsecured personal loans offer the perfect solution. Whether it’s for travel, special events, unexpected medical expenses, or consolidating existing debt, these loans provide flexibility and convenience. You can choose between fixed or variable interest rates, with loan amounts and repayment terms tailored to fit your financial needs—from as short as 1 year up to 7 years. Plus, there’s no requirement to use any asset as security, meaning you can borrow confidently and stress-free.
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No asset security required, so your possessions stay protected
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Fast, straightforward approval process to get you funded quickly
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Choose fixed or variable interest rates based on your preference
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Transparent, upfront fees with no hidden surprises for peace of mind
5-Step Process
How It Works — 5 Easy Steps
Submit Your Details
Begin quickly by filling out a simple online form or giving us a call.
We'll Call You
Our experts will reach out to discuss your goals and guide you through options.
Get Matched
We compare lenders to find the best loan tailored just for you.
Approval & Sign-Off
Receive fast approval and review your personalized loan offer with ease.
Funds Transferred
Once approved, funds are promptly deposited directly into your account and ready to use.
Achieve Financial Freedom with Flexible Personal Loans
Our personal loans are designed to adapt to your unique lifestyle. Whether you're planning a major purchase, covering a one-off expense, or simply looking for breathing room in your budget, we offer lower repayments, balloon options, and zero-deposit finance to help you move forward with confidence. You get full transparency, expert advice, and a streamlined path to financial control.
✅ Unbeatable Interest Rates for Every Need
We know affordability matters. That's why we work with Australia's top lenders to offer some of the most competitive personal loan rates in the market—so you can borrow smarter and save more.
✅ Ultimate Flexibility and Zero Hidden Costs
Our personal loans come with repayment plans that work around you—not the other way around. Whether you want weekly, fortnightly, or monthly options, we build a schedule that fits your cash flow. And with no hidden fees, what you see is what you get.
Why Choose Fintell for Personal Loans?
At Fintell, personal loans are more than just access to money—they’re a powerful financial tool that gives you freedom and flexibility to achieve your goals. Whether you’re planning a dream wedding, managing unexpected expenses, or investing in your wellbeing, we’re committed to securing the best possible outcome for you with honesty, speed, and genuine care. Our approach is centered on transparency and support, ensuring you feel confident every step of the way.
✅ Access to 40+ Trusted Lenders
We leverage a broad network of over 40 reputable lenders, carefully comparing rates, features, and terms to find the perfect match for your unique financial situation.
✅ Real People, Real Service
Forget automated bots or endless call centres. When you reach out to Fintell, you’ll be assisted by friendly, knowledgeable experts who truly understand your needs and are dedicated to helping you succeed.
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What is debt consolidation?It’s the process of combining multiple debts—like credit cards, car loans, or personal loans—into a single, manageable loan.
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What are the benefits?Lower repayments, simplified finances, and the chance to pay off your debt sooner.
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Will it hurt my credit score?No, consolidating can actually help your credit in the long term if managed properly.
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Can I include all my debts?Yes, most personal debts can be consolidated into one loan, depending on your credit profile and the lender.
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Do you finance loans for all business structures?Yes. We help sole traders, partnerships, companies, and trusts secure business finance.
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What types of commercial loans do you offer?We offer working capital loans, equipment finance, vehicle finance, and more—all tailored to your business.
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How much can my business borrow?Loan amounts vary based on your financials and goals. We work with over 40 lenders to find the best option.
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Can I refinance existing business loans?Absolutely. We can help you consolidate or refinance for better terms.
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What can I use a personal loan for?Anything from holidays and weddings to home renovations, medical expenses, or debt consolidation.
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Do you offer unsecured personal loans?Yes, we work with lenders who offer both secured and unsecured loan options.
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How quickly can I receive the funds?Once approved, funds are typically available within 24–48 hours.
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Will applying affect my credit score?No—getting a free quote won’t affect your credit. A full application might, depending on the lender.
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What types of equipment can be financed?We finance everything from construction machinery and medical devices to IT infrastructure and office equipment.
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What’s the difference between a lease and a chattel mortgage?A chattel mortgage gives you ownership from day one, while a lease lets you use the equipment and buy it later (if you choose). We’ll help you decide what’s best.
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Can I finance equipment for a start-up?Yes, we work with lenders who support new businesses and custom options for growing ventures.
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Are repayments tax-deductible?In many cases, yes. Chattel mortgages allow deductions on interest and depreciation. Always consult your accountant for specifics.
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What types of marine vehicles can I finance?We finance boats, jet skis, yachts, and even commercial charter vessels.
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Do I need a boating license to apply for finance?Not necessarily, but you may need one to operate the vessel. Requirements vary by lender and location.
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How much can I borrow?That depends on the asset and your financial profile. We help you find a solution that fits your budget.
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Can I finance a second-hand boat?Yes. We work with lenders that finance both new and used vessels.
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Do you finance new and used caravans?Yes! We can help finance both new and pre-owned caravans from dealers or private sellers.
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What loan term options do you offer?Loan terms typically range from 1 to 7 years. We tailor this based on your needs and budget.
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Is insurance required?Yes, insurance is required, and we can help you find competitive options if needed.
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Can I include extra accessories in the loan?In many cases, yes—such as awnings, solar panels, or upgrades. Just let us know during your application.
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Can I finance both new and used motorbikes?Yes. We offer loans for new and used motorbikes, whether from a dealership or private seller.
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How quickly can I get approved?Many of our motorbike loan applications are approved within 24–48 hours.
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Do I need a deposit to get started?Not always. Some lenders offer no-deposit options, depending on your profile.
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Can I pay my loan off early?Yes, and we’ll help you find a lender with flexible repayment options and minimal early-exit fees.
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Can I get a car loan if I’m buying from a private seller?Yes! We provide car finance for both dealer and private sales. We’ll help you find the right loan regardless of the seller
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How do I know if I’m eligible for a car loan?We offer free, no-obligation quotes that show your eligibility before you apply—no impact on your credit score.
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What documents will I need to apply?Typically, you’ll need identification, proof of income, and details about the vehicle. We’ll guide you through the process.
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Can I get pre-approved for a loan?Absolutely. Pre-approval gives you a better idea of your budget and boosts confidence when negotiating.