Get your bills under control, lower your interest payments or get what you want sooner, ANZ Personal Loan can help you get there faster.

ANZ Personal Loan can help you:

Consolidate your debt

• Pay off your credit cards to reduce high-interest payments
• Buy the big ticket items you need
• Get that car you’ve had your eye on
• Take an overseas holiday
• Afford that project you have been planning.

Personal Loan Features

• Choose either a variable or fixed rate loan.
• Choose ANZ Loan Protection* and you may qualify for an interest rate discount on your ANZ Personal Loan.
• A fast and easy online application process.
• Competitive interest rates and loan amounts starting from $5,000.

Apply now for an ANZ Personal Loan
Variable and fixed rates now available!

Fixed Rate Loans
ANZ Fixed Interest Rate Personal Loan has an interest rate that stays the same for the full loan term. Fixed interest rate personal loan repayments should not change due to interest rate changes throughout the life of the loan.
With an ANZ Fixed Interest Rate Personal Loan you cannot pay extra and get ahead in your repayments. The repayment amount specified in your contract needs to be paid each week, fortnight or month as per the arrangement until the loan is paid in full. If additional payments are made, charges may be incurred. The repayment frequency cannot be changed during the life of the loan.

Variable Rate Loans
An ANZ Variable Interest Rate Personal Loan has an interest rate that may change during the loan term. Accordingly, variable interest rate personal loan repayments may change throughout the life of the loan.
With an ANZ Variable Interest Rate Personal Loan you can make early or additional repayments without incurring any penalties. If you decide you want to access these early or additional funds at a later date, you can. You will need to be at least $500 ahead in your payments as the minimum amount you can redraw is $500. A $25 redraw fee applies.

Terms and Conditions explained
Terms and Conditions are available on application, fees and charges are payable. Interest rates current as at 15 May 2007, subject to change.

* An insurance premium is payable. ANZ Loan Protection is underwritten by ING Life Limited ABN 33 009 657 176 and QBE Insurance (Australia) Ltd ABN 78 003 191 035 trading as Western QBE Insurance (Western QBE). Terms and Conditions apply.

No matter what it is that you want, you can now get it with a Citibank Personal Loan.
An exotic holiday? The car of your dreams? Or that home renovation you’ve had your heart set on? You can borrow up to $75,000 at just 11.99% p.a.* (comparison rate 12.40% p.a.Ø).
Personal Loan allows you to:
SAVE with competitive fixed rates
Enjoy the things you want with low interest rate loan from 11.99%p.a.* (comparison rate 12.40%p.a.ø)
SAVE 0.50% p.a. off your interest rate
Take out Loanguard Insurance when you apply and we’ll discount your interest rate
Have the freedom to buy what you want
With terms from 1 to 5 years and loan amounts from $4,000 to $75,000, budgeting is made easy with set repayments.

Apply now for a Personal Loan with Citibank

The loan amount is disbursed directly into your account giving you the freedom to use as you choose and prioritise what dreams become a reality first.

Save on your everyday spending with a Citibank ReadyCredit. It’s an unsecured line of credit you can use every day. With NO set-up, ATM or ongoing fees# and a low competitive rate, start saving from day one and have money to spend on other things.

ReadyCredit allows you to:

• SAVE with a low introductory rate
  2.9% p.a. for 6 months† on ANY purchases, balances you transfer and cash advances.
• SAVE with NO setup and ongoing transaction fees
  Save with NO annual, transaction, ATM/EFTPOS or cash advance fees#.
• Have the freedom to buy what you want
  With $5,000 to $25,000^ to use on whatever you want, ReadyCredit gives you the flexibility to repay and re-borrow funds.
• Choose how you use your credit
  Convenient access to your cash via ATM/EFTPOS, phone, internet and a chequebook.
• Apply today and save
  Have money at any time – without the hassle of applying for loans over and over again! Citibank ReadyCredit gives you that security and convenience

Apply now for a Citibank Ready Credit Account

Terms and conditions apply and are available on request. Existing customers are not eligible for this offer. Applications may not be accepted if you have been approved for another Citibank offer in the last 9 months. Allow up to 10 working days to process your application. To process your application, Citibank will need to verify your identity and income. To verify your identity we will ask you to confirm details provided on your application. Please provide a contact telephone number that will be easy for us to contact you. Please notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details.

†2.9% p.a. introductory interest rate is available on purchases, cash advances, and balance transfers. After the six month introductory period the interest rate will revert to an interest rate of 17.75% p.a. This interest rate is variable and subject to change and Citibank credit criteria.
^The credit line of $5,000 to $25,000 is subject to Citibank credit criteria.
#Government charges, a late payment fee, cheque dishonour fee and other fees and charges may apply.

Edit – Interest rate increased from 17.25% to 17.75% as of the 1st of April, 2008.

Apply now for a Personal Loan

However, it can be frustrating if the cash is days away and you need it earlier….whatever the reason.

It’s even harder if you’ve had a minor, bad credit mishap, are too busy to get away from work or don’t want to commit to paying off a large, long term loan or credit card.

Cash Doctors has helped thousands of Australians in your situation with a convenient, clear and secure alternative. Quick turnaround times mean that you can be paid in as little as 20 minutes.

• Apply in just 3-4 minutes, then log-in to track your applications progress in real time.
• No need to fax any documents. Contract is signed digitally online.
• Stay up to date with every step of the process (approval, contract signing and payment) via your own member-log in and emails and SMS messages.
• Log-in after to see you loan details, fee breakdown and keep up to date with repayment amounts and dates.

Apply now for a Pay Day Loan

If you need fast cash and want convenience and transparency, look no further than Cash Doctors….even if you’ve had a minor bad credit mishap.

Compare what is being offered
A Personal loan can serve any personal purpose; you can use it to pay for medical bills, going on vacations, making home improvements, and more. But there is another benefit that comes when you secure a personal loan and regularly pay the monthly instalments. This benefit, as important as it is, is usually disregarded. Paying back a personal loan will increase your credit score and improve your credit history, thus, the next time you request a loan you’ll end up paying a lower interest rate and you’ll be able to request a higher loan amount.

Issues to Consider Before Getting a Loan
The First step is to ask yourself some questions to check if getting a loan is the right choice for you.. You have to examine if you really need the loan. Can you manage without it? Is it for something frivolous, like a holiday? Could you get the money by other means: part-time job, from a relative, the sale an asset?

Remember, with any type of loan, you are buying money for more than it cost the lender. This only makes sense because a lender would never make a profit if they loaned money for less than they obtained the money for. It’s a mistake to only care about the interest rate; there are also arrangement fees and prepayment penalties to consider. Many ‘no fee’ credit lines have a pre-payment penalty. This is how brokers and lenders make their money. Work out the total cost of your loan before committing. Usually it is best to keep your credit-line as small as possible. This is because loan officers tend to count the total line of credit available as an increased risk that someone is going to default on the loan, which is the worst possible scenario as far as they are concerned.

What type of Loans are on Offer?
Loans vary according to some important factors. They can be modified to suit your personal circumstances. Firstly, there is the amount, then there is the interest rate, the type of rate (fixed or variable), the term (repayment time in months or years); Deposit (downpayment); Associated fees (broker, origination, prepayment etc.); Insurance required by the lender.
There are Secured and unsecured personal loans. If you choose to go for a secured loan you’ll probably get lower interest rates, larger loan amounts and longer repayment programs. But remember, if you don’t need that much money don’t take all the money the lenders are offering. You can always borrow money later; you should keep your debt to a minimum.

What Do I need to know about getting an Urgent Loan?
Usually if you are employed or self-employed you are eligible for payday and other urgent loans. Immediate cash loans have minimal paper work and bring quick money flow. The usual requirements for urgent loans includes employment status that is attested by all and proof of address etc. However, this could vary from one lender to another. On approval of the loan, cash will be credited to the borrower’s personal account within 24 hours of application. Immediate cash loans do not have a fixed rate of interest, and depends on the amount of loan borrowed. These are short term loans which are extended usually for a period of 7 to 30 days.

Shop Around
Try get a grip on the market for interest rates when the markets are not in turmoil. Shop around for a good deal as well, the lenders compete with each other to give the best deals. When searching for a personal loan it’s usually advisable to take the time to search for lenders, request loan quotes from them and compare their offers in order to decide which lender has the right loan for you. This process however takes a lot of time and is very stressful, so if you are planning to search for a personal loan you might as well be prepared for what it takes. Your aim will of course be to find the lender offering the lowest interest rate and the most flexible repayment schedule so you’ll get the lowest monthly payments possible.

Once you’ve decided how much money you need, it’s time to start your research. Looking for potential lenders hasn’t have to be such a nuisance. There are many online sites that offer access to a wide list of lenders that will present you with loan offers and you’ll be able to choose which one best suits your needs after comparing them from the comfort of your home. Pay special attention to interest rate (APR), repayment schedules, loan amounts, and also whether there are extra fees or not that may turn an otherwise good looking deal into a big burden.

5 Tips To Ensure your Application is Successful:
Submitting a good application form can really improve your chances of getting the loan. It shows that you are serious about being responsible for the loan. Reputation counts for a lot in the financial services industry

1. Neat and detailed application form – Make sure your application form is neatly written and has all the details required filled in. It should look business-like and efficient.
2. Appearances count – Try to dress well and groom well for the loan interview. Have a haircut, shave, shower beforehand and try to wear some sort of perfume/cologne.
3. Avoid upfront fees – It is advisable to avoid paying up-front fees to any lender except well-known institutions, or ones highly recommended by trusted sources.
4. Read all documents and understand what is required from you – Do not sign documents without reading them. If possible, obtain legal advice about the nature of the obligations which you are entering into, fully understanding your obligations could save you a lot of time and money in the future.
5. Review documents before signing them at their offices – Review all the documents you’ll be signing, and make sure you understand them, so you won’t have to sign them in a hurry.

Problems with a Personal Loan
You should also keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure you get the full name of the person with whom you speak. Make a note of it. You may be dealing with a large bureaucracy, and will need to refer to this conversation later. If you find yourself in a dispute with a lender, don’t send correspondence to the same address you send your payment. You need to deal with the decision-makers, not the account clerks.

Personal Loan Providers
ANZ – Apply now for an ANZ Personal Loan

The interest rates on personal loans are expressed as Annual Percentage Rates (APRs). Any firm which will lend you the money is required to quote the APR. The APR takes into account the interest rate on a loan and the additional charges which will make it easier for you to compare products.

The APR on a personal loan can vary greatly. So, it is advisable to shop around for a good loan deal which can help you to save significant amount of money. At the time of comparing the rates for a personal loan, it may so happen that you may not qualify for the advertised rate. The lenders use a credit scoring system to assess personal loan application.

The credit scoring takes into account many features like your income and outgoings, the payment history on other debts, the length of your credit history etc.

The rate also depends upon the amount you would like to borrow and the period over which you would like to take a loan. With a longer repayment term, you can have less monthly outflow. However, if you stretch the loan term then you may have to pay a higher rate of interest.

If you need money on the same day then some providers can allow you but they may charge you for this thing.

PPI (Payment Protection Insurance) is also available with most of the personal loans which will allow you to cover the repayments for a certain period of time like when you are unable to work because of the sickness, unemployment or illness.