📞 1300 323 462
FOR GOOD-CREDIT BORROWERS · PERSONAL LOANS $5K–$75K
Good Credit? Don't Let One Bank or a Payday-Style Lender Price Your Loan.
We compare unsecured personal loan options across 50+ lenders, so you can see what actually suits your profile before you commit to anything. Loans $5,000–$75,000, priced to your situation, not a one-size headline rate, no asset used as security.
Takes about 60 seconds. Best suited to employed or self-employed applicants with stable income.
A 60-second eligibility check first — see if you qualify before applying. No obligation.
WHO THIS IS FOR
This Is Not For Everyone — And That's The Point
We're selective about who we take through this check. If you have a solid credit profile, you shouldn't have to choose between a slow bank process and an expensive payday-style lender — there's a better lane in between, and it's built for people like you.
✓ This check is best suited to you if you:
- Are employed or self-employed with regular income
- Want to borrow between $5,000 and $75,000
- Want an unsecured loan without using a car or property as security
- Want to compare lender options before you apply
This may not suit you if you have:
- Recent defaults on your credit file
- Heavy ongoing gambling activity
- Multiple active payday loans
- Regular use of pay-advance apps (BeforePay, MyPayNow and similar)
- Unstable or irregular income
What People Use It For
Home renovations · Major purchases · Unsecured car loans · Holidays & travel · Consolidating debt by choice
Takes about 60 seconds. No obligation.
Before we take up your time, let's check you fit the lending profile.
Takes about 60 seconds. It helps us work out whether there may be suitable unsecured loan options for you across our 50+ lender panel. We arrange loans from $5,000 to $75,000 — outside that range, get in touch and we'll point you in the right direction.
What would you use the loan for?
Select the option that best applies
How much are you looking to borrow?
We arrange unsecured personal loans from $5,000 to $75,000
Are you over 18 years of age?
You must be 18 or older to apply for finance in Australia
Are you currently employed or self-employed?
This helps us match you to the right lenders
How are you employed?
Select the option that best describes your situation
What is your employment type?
Select the option that best applies
How long have you been in your current casual role?
Lenders require a minimum employment period for casual workers
Is your ABN more than 6 months old?
Most lenders require a minimum trading history for self-employed applicants
Roughly what is your take-home income?
Your after-tax income — the amount that actually lands in your account each week
Do you know your credit score?
You can check for free at creditsavvy.com.au. Selecting an approximate range is fine
Do you have any defaults or overdue debts listed on your credit file?
Please include any default of any size, paid or unpaid — be as accurate as possible
Have you had more than 2 dishonoured payments or reversed direct debits in the last 90 days?
This includes any bank payments that failed or bounced
Do you spend more than 10% of your monthly income on gambling?
Lenders review bank statements and flag significant gambling transactions
How many active payday loan or cash advance accounts do you currently have?
e.g. Nimble, Cash Converters, BeforePay, Wallet Wizard or similar. Count only accounts that are still active
In the last 90 days, how many times have you used a pay-advance or short-term lending service?
e.g. BeforePay, MyPayNow, Wallet Wizard, Cash Converters or Nimble. Count every advance, even ones already paid back
What is your residency status in Australia?
This affects which lenders are available to you
How much time is remaining on your current visa?
Lenders require sufficient visa validity to cover the loan term
What is your current living situation?
This is used by lenders to assess your overall financial position
Are you looking to proceed within the next 30 days?
Lender approvals are generally only valid for a limited period
One of our brokers will call you to go through your options. Happy to proceed?
This is a real conversation with a licensed broker, not an automated quote. We compare 50+ lenders and walk you through what suits you
Just so we're clear, we're a broker service. No call means we can't help. Still a no?
A broker speaking with you is how we compare 50+ lenders and get you the right loan. There's no instant number at the end of this, it's a real conversation or nothing
Almost there — let's get you sorted
Add your details and a specialist will compare your profile across our 50+ lenders and walk you through your options and next steps. Just a couple of quick steps — no obligation, and this isn't a formal application.
We'll only use your details to discuss your enquiry — no spam. Any costs and how we're paid are set out in your credit documents before you commit.
This falls outside the lending profile we currently assist with
Based on your answer, this falls outside the lending options Freedom Capital Finance currently assists with through our lender panel. We have stopped the check here so you do not waste time completing a process that is unlikely to suit our current lender panel.
What you can do next:
You are welcome to return in future if your circumstances change.
Questions? Call us on 1300 323 462
CLIENT REVIEWS
Real Clients. Real Finance Outcomes.
Join Australians who compared a fairer rate before signing anything.
HOW IT WORKS
Three Steps To A Clear Answer
See what you may qualify for before you apply — no asset used as security, no obligation.
Check your fit first
Answer a few quick questions so we can see whether your profile suits the lender panel. Around 60 seconds, no obligation.
We compare the lender lane
We look at your income, credit position, loan purpose and amount to identify unsecured options that may genuinely suit you.
You get a clear next step
If there may be a fit, we walk you through the options before you formally apply — so you decide with the full picture in front of you.
Takes around 60 seconds. No obligation.
KNOW THE DIFFERENCE
The Bank / Payday Route vs An Independent Broker
Banks & Payday Lenders
- ✗ Bank processes can be slow and clunky
- ✗ One-size pricing that may not reward good credit
- ✗ Payday-style options can reach rates up to ~49% p.a.
Freedom Capital Finance
- ✓ Compare 50+ lenders in one application
- ✓ Priced to your profile, not a one-size headline rate
- ✓ Priced to your profile, not a single product
Takes around 60 seconds. No obligation.
YOUR REPAYMENTS
Priced To Your Profile, Not A One-Size Rate
Your rate is set by your credit profile, income and the lender your situation suits best — not a single advertised number. Well-qualified applicants access the sharpest end of our panel.
We'll show you what your options actually look like before you commit to anything. Any costs and how we're paid are set out in your credit documents before you proceed.
Takes about 60 seconds. No obligation.
FREQUENTLY ASKED QUESTIONS
Questions We're Commonly Asked
Meet the Founder
Andrew Neofytou
Founder, Freedom Capital Finance
Most people only ever see one option — the bank's, the dealer's, or the lender that advertises the loudest. That's exactly how people end up with finance they don't fully understand, and paying more than they needed to.
Freedom Capital Finance was built to give clients a proper comparison before they commit. We look at the profile first, compare across a wider lender panel, and explain the trade-offs in plain language — so the decision is yours, made with the full picture.
Our philosophy: Clarity before commitment.
Ready For A Fair Answer On An Unsecured Loan?
Start with a 60-second eligibility check and see what you may qualify for — without the bank wait, payday rates, or any obligation.
A 60-second eligibility check first — see if you qualify before applying. No obligation.