Personal loans · 01
Personal loans from 1 to 7 years, fixed or variable.
Borrow for what matters: debt consolidation, home improvements, a car, medical costs or an unexpected bill. Your personalised rate estimate comes before you apply, with no obligation to go ahead.
Quote first · No obligation
Use cases
What can I use a personal loan for?
One loan, sized to the plan in front of you.
Debt consolidation
Combine credit cards and other loans into one repayment, with one rate and one due date.
Home improvement
Renovations and repairs, without draining your savings or offset account.
Buying a car
New or used, from a dealer or a private seller, with your finance sorted before you negotiate.
Life's bigger costs
Medical and dental costs, education, relocation, travel, or an unexpected bill.
The details
Why choose a Suffice personal loan?
The parts that matter, stated plainly.
Personalised rate, fixed or variable
Choose fixed repayments for certainty, or a variable rate for flexibility. Your rate is based on your circumstances.
Terms from 1 to 7 years
Shorter terms cost less in interest overall; longer terms lower each repayment. We show you the difference before you decide.
See your rate before you commit
Your personalised estimate comes first: free, with no obligation, and the decision stays yours.
Assessed by people, under responsible lending laws
Every application is reviewed against your real income and expenses by a person with the authority to decide.
The process
Quote to funded, four steps.
Step 1 of 4
Get your rate estimate
Answer a few questions and see your estimated rate, repayments and borrowing power in about 90 seconds, with no obligation to go ahead.
Step 2 of 4
Submit your application
Happy with your estimate? Complete the application online with your income, expenses and employment details.
Step 3 of 4
Verify your details
Upload photo ID and recent bank statements. We assess your application against your actual income and expenses, as responsible lending laws require, including a credit check with a credit reporting body.
Step 4 of 4
Get your funds
If approved, review and accept your loan contract. Funds are typically sent to your bank account the same day.
Before you apply
Eligibility, at a glance.
Every application is assessed on its merits under our responsible lending obligations. Approval is never guaranteed, and that's deliberate.
18 years or older
Australian residential address
Citizen, permanent resident or eligible visa holder
Consistent, verifiable income
Questions
Good to know.
Still curious?
Talk to a person.
Call 0451 248 745. Every question reaches someone with the authority to answer it.
Get started
See your number first.
Apply online, see your numbers, then decide with the facts in front of you.
A quote takes about 90 seconds. There's no obligation. You see your numbers first, and the decision stays yours.