National Direct Finance — Personal Loans

Personal loans.

Consolidating debt, funding a renovation, or covering a major one-off cost — we compare across our panel to find what actually fits.

?

Want to discuss your finance options?

?

Message us any time

?

Calculators

?

Individual - Know your personal lending power

What we finance

Personal loans

Unsecured or secured finance for the things a mortgage or car loan doesn't cover.

Personal loans

Debt consolidation, renovations & general purpose

A personal loan is unsecured or secured finance for things outside a mortgage or car loan — consolidating existing debts into one repayment, funding a renovation, or covering a major one-off cost.

Get a personal loan quote
  • Debt consolidation
  • Renovations & major purchases
  • Secured & unsecured options
Why National Direct Finance

Our loyalty is to you, not a lender

Unbiased panel

We're not tied to one bank — we compare and negotiate across our full lender panel for your situation.

Real experience

Decades in finance and automotive means we know which lender fits your circumstances, not just the lowest headline rate.

Straight answers

Best rate doesn't always mean best deal. We explain the trade-offs so you're not caught out later.

Reviews

What our customers say

Real reviews from Google — read them all here.

Read more reviews ↓
Our lenders

Access to Australia's leading lenders

Process

How it works

1

Tell us what you need

A quick chat or online form — no obligation, no credit score impact.

2

We compare the panel

We match your situation against lenders best suited to it, not just the biggest name.

3

You apply, we handle it

We guide the application and settlement so there's no guesswork on your end.

4

Ongoing support

We're here for the life of the loan, not just the sale.

Ready to get finance sorted?

Get a no-obligation quote — takes a couple of minutes online, or call us directly.

Apply Online Call 1300 836 546
FAQ

Common questions

Can a personal loan be used for anything? ⌄

Mostly, yes — common uses include debt consolidation, renovations, and major purchases. Most lenders won't approve funds for gambling or speculative investment, and business use may need a different product.

Do you arrange home loans too? ⌄

Not directly — we refer home loan enquiries to our partner The Finance Family, mortgage specialists we trust.

Does a personal loan affect my home loan borrowing power later? ⌄

It can — any existing debt is factored into how much a lender will offer you later. Worth talking to us about timing if you're planning to apply for a home loan in the near future too.

How fast can I get approved? ⌄

Usually under 24 hours, often sooner — our record is under 1 hour!