Lease
Lease certain assets for a fixed term with predictable repayments; consider at end of term whether to upgrade, extend, or purchase (subject to lender terms).
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At Unconditional Finance, we believe that life is full of opportunities — and sometimes, all you need is a little financial boost to make the most of them. Whether you’re renovating your home, consolidating debt, planning a wedding, or managing unexpected expenses, our tailored personal loan solutions can help you move forward with confidence.
We make the process simple, transparent, and supportive — so you can focus on what truly matters: achieving your goals and creating new possibilities.
Our asset finance team handles the details — comparing rates, tailoring terms, and ensuring every step is transparent. With access to a wide panel of trusted lenders and a commitment to clear communication, we make financing not just faster, but smarter. Because the right finance partner doesn’t just get you approved — it gets you moving with confidence.
Your financial goals are personal — and so should your finance solution be. We offer a range of flexible options to suit your needs, whether you’re after a traditional personal loan, a salary-packaged novated lease, or other structures designed to optimise your repayment flexibility and cost-effectiveness.
Our experienced team will explain each option clearly — how repayments, terms, and interest work — empowering you to make the right choice for your situation.
Lease certain assets for a fixed term with predictable repayments; consider at end of term whether to upgrade, extend, or purchase (subject to lender terms).
Hire the asset while making fixed repayments; ownership transfers to you once the final payment is made.
Salary packaging with repayments made by your employer from pre-tax income — a popular option for eligible employees.
Own the asset from day one while the lender takes a mortgage over it; flexible terms and potential benefits for eligible business use.
Exploring Personal Loans — great choice. If you’re also considering finance for a vehicle, caravan, boat, or business equipment, Unconditional Finance can help. We compare options from trusted lenders to find competitive rates, flexible terms, and repayments that fit your plans.
Secure a new car loan with the right rate and terms to suit your plans and lifestyle.
Find a used car loan that fits your budget — and drive away with confidence.
Own your dream bike sooner with flexible options and clear, simple repayments.
Hit the open road with tailored caravan finance — competitive rates and flexible terms.
Set sail with confidence using tailored boat finance designed around your budget.
Upgrade your business fleet with simple, affordable vehicle finance options.
By working closely with a network of 10+ trusted lenders, we secure competitive personal loan rates tailored to your circumstances — helping minimise your total repayment cost.
From smaller sums to larger projects, we tailor loan amounts to your needs and repayment ability — so you can fund life’s goals with confidence.
Choose weekly, fortnightly, or monthly schedules. Pay off early with little or no exit fees (subject to lender policy) to save on interest and become debt-free sooner.
Practical benefits that keep your personal loan simple, affordable, and transparent.
Use for Many Purposes
Ideal for debt consolidation, home renovations, car purchases, holidays, or medical expenses.
1–7 Year Terms
Choose a term that suits your budget and goals.
Early Payout Options
Pay off early with minimal or no exit fees (subject to lender policy).
10+ Trusted Lenders
A wide lender panel to secure competitive rates and flexible options.
Fixed or Variable Rates
Choose between fixed or variable interest structures to suit your preferences.
Take the first step towards funding your goals — with confidence, clarity, and expert support every step of the way.
A personal loan lets you borrow a set amount and repay it over time via regular instalments. It can be used for almost any purpose — from covering major expenses to consolidating debt or funding personal projects.
Home renovations or upgrades; travel or holidays; debt consolidation; medical or dental expenses; wedding or event costs; buying a car, boat, or other personal items.
Loan amounts vary based on income, credit profile, and goals. We’ll help you determine a comfortable amount so repayments remain manageable and realistic.
In many cases, approvals can be received within 24–48 hours depending on your lender and documentation. Our streamlined process keeps you updated so funds are accessible promptly.
Rates depend on your credit history, income, loan amount, and chosen lender. We compare options across our panel to secure a competitive rate for your situation.
We’re transparent about all fees before you proceed. Many lenders allow early repayments with little or no exit fees, helping you save on interest and finish sooner.
Yes, in some cases. We work with lenders who consider applications from temporary visa holders, provided you meet criteria such as proof of income, stable employment, and sufficient visa duration.
Absolutely. Consolidating credit cards or other loans into one manageable repayment at a potentially lower rate is a common and effective use of a personal loan.
Typically: proof of identity (driver’s licence or passport), proof of income (recent payslips or tax returns), recent bank statements, and details of current financial commitments. We’ll guide you through what’s required for a smooth approval.