Personal finance for life's bigger moments.

Banks generally lend a multiple of your monthly salary, adjusted for your existing obligations. Your instalment also has to stay within the affordability limits lenders apply. Once we review your profile we can give you a realistic range before anything is submitted.

A reducing-balance rate charges interest only on the outstanding balance, which falls as you repay. A flat rate charges on the original amount throughout, so a flat rate that looks lower is often more expensive in practice. We always compare offers on a like-for-like basis so the comparison is honest.

Some banks require it, others don't. Salary-transfer loans often carry better rates or added benefits, but non-transfer options do exist and can suit people who'd rather not move their account. We'll show you both routes.

Yes, with sufficient income proof — typically a valid trade licence and bank statements demonstrating consistent income. Documentation requirements are heavier than for salaried applicants, and fewer banks participate, so guidance on which lenders to approach matters more here.

With a complete file, many personal loan applications receive a decision within a few working days. Timelines depend on the bank, the loan size and how quickly your documents and employment details are verified. We chase the bank so you don't have to.

Yes, though an early settlement fee usually applies — commonly around 1% of the outstanding balance. If you expect to settle early, tell us upfront and we'll weight that into which offer we recommend.