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Personal Loans

Discover how to get finance

We specialise in helping people just like you with personal loans and finance. If you are time poor or have credit issues, we can help you get your loan approved. Similarly, if you have a bad credit score, a default, judgement or overdue notice lodged on your credit file, we can help. If you have previously entered a Part IX or Part X, been declared bankrupt, our team can help too. No matter what you need, we make it simple to get personal loans.

It’s easy if you know how

We make approvals easy because we start with the basics when we provide advice. These simple details can make a big difference to your final quote. We’ll also explain the things you can look for that will bring the personal loans cost down. From there, we look at your personal financial situation and assist you to compare suitable options for you. After that, we present them in an easy to understand, written quote.

The process

Simplicity is the key, so we break the process into a number of small steps. We start by having a chat over the phone, we then make a specific personal loans assessment of your individual requirements. We’ll even check your credit report as this may help get you a better deal. From there, we issue you with a written quote. When you are happy to proceed, you authorise us in writing to lodge an application on your behalf.

It gets better

For personal finance, the money can be deposited into your account on the same day. It’s normally a matter of you authorising the paperwork and with many lenders, you can do this online these days too. We make the personal loans process for you, as easy as 1-2-3.

Lenders you can trust

How we can help you

You Can Finance, part of You Can Group, specialises in helping everyday Australians, tradies and business owners to finance cars, trucks, motorbikes, equipment, caravans, boats, jet-skis and other business equipment.
  • Australian Credit Licence (No. 511531)
  • FBAA Accredited Member (No. M-342583)
  • AFCA Member (No. 62643)
You Can Finance - Lenders you can trust

Our clients are saying

Client Feedback

Michael has been so helpful and supportive through the whole process, keeping us updated and totally informed of what was happening. Being able to contact Micha…

- By Yolandi Nel 3 days ago

Client Feedback

we had a gentleman called Michael Bowlng he is fantastic person to deal with and he cares about his clients, he goes above and beyond to help in every way he ca…

- By Annette Saxby 4 weeks ago

Cannot recommend enough!

Cannot recommend Michael enough! He made the whole process on getting my car super easy and dealt with any issues that arose along the way. It was my first time…

- By Mikaela Callender 1 month ago

Top job

Yes I would buy with you guys again Michel made the experience so easy

- By Nathan Lutiger 4 months ago

Very happy and stress free

I didnt know what to expect as this was the first time i used a non bank lender. I was treat with understanding and dignity throughout the whole process. Was gi…

- By Darryl Gatfield 4 months ago

I will use them again

I don’t tick all the boxes that Lender’s seem to look at these days, so I knew from the start my loan application was not going to be easy before I started. To …

- By Anonymous 9 months ago

You Can Finance is rated 4.9 for customer satisfaction by 11 customers

Questions

How much can I borrow?

That’s exactly what our experienced brokers can tell you. Fill in the Quick Quote form and we’ll send you back some numbers.

I am self-employed, does this make a difference?

Yes, it can sometimes mean that you need a little less or a little more paperwork. It’ll depend upon your individual circumstances.

How can I get a great personal loan?

The right personal loan for you will come down to your individual circumstances. There is no ‘one size fits all’ answer. When comparing personal loans, factors such as how long you want to borrow the money for and whether you want to pay it out early can also weigh in on the final choice you’ll make.

I have bad credit, can I still get a personal loan?

Yes, there’s not much we haven’t seen. We are experts in getting loans approved when they have been declined elsewhere. We have been helping people with bad credit for over 15 years.

What kinds of things do I need to provide to get an approval?

These days, with internet banking, if you work for someone else (e.g. PAYG), you really only need to start by sending us your 2 most recent payslips and a copy of your photographic ID (i.e. Driver’s Licence). If you’re self-employed and hold your own ABN, just start by sending us a copy of your Driver’s Licence. If we need anything else from there, we’ll let you know exactly what the lender requires as it varies considerably depending upon your circumstances. Generally, a self-employed application is a very straight forward and easy process.

How long does it take to get a personal loan?

Not long at all. You can request a quote online and we’ll have it back to you in no time at all. Alternatively, we can chat over the phone to find out what you’re looking for and then email or post it you in writing. Either way, as quickly as you can answer the questions relevant to your situation, we can give you a quote.

Hints and tips

What can I do to get the best deal?

Long term stable employment and the time you have lived in both your current and previous homes go a long way to making a lot of lenders feel comfortable that you will be a low risk borrower. If the lender feels that you are low risk, then you’ll more likely be eligible for the best personal loan deals. However, there are more important things in life that override your decisions to move jobs or homes. So focus on things like making sure that you pay your bills on time and avoid getting any reversals or dishonours on your bank statements, as these can often lead you further away from the best deals.

Preparation is key to a quick approval

Naturally, the easiest and quickest loan approvals tend to be offered to those who have all their paperwork up to date and on hand. However, if you are in this category, you’re probably the exception to the rule, as most people are focused on what’s happening today and sorting out the paperwork later. We know how hard most people work, so if your paperwork is not up-to-date, we can still get you approved quickly and easily. Contact us today to find out how easy it really is.