Personal Loans.
You know what the money's for. You just don't want to pay more for it than you have to. We compare personal loans across 60+ lenders - secured and unsecured - and come back with the rate and structure that fits.
Get a free quote
Won't affect your credit score.
What can we help you with?
What We Can Help With
Personal loans for any purpose - what Australian borrowers use them for
Consolidating debt, renovating, covering a big life event - whatever it's for, we compare 60+ lenders and find the loan that fits.
Debt Consolidation
Roll several high-interest debts into one loan, one repayment. We compare 60+ lenders to cut the total interest you're paying.
Home Renovation
Fund the kitchen, the deck or the full reno without touching your home equity.
Medical Expenses
Surgery, dental or elective procedures - cover the cost now, spread the repayments over a term that suits.
Weddings & Events
Pay the venue, the caterer and the rest upfront, then repay over the term you pick.
Holidays & Travel
Book the trip now, repay it over a term that suits your budget when you're back.
Education Costs
Tuition, course fees, materials or living costs while you study. We find the structure that fits.
Run The Numbers
Calculate your personal loan repayments
Enter your loan details
Estimated repayment
$652.27 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Common Loan Uses
What can you finance with a personal loan - eligible assets and purchases
Personal loans are flexible by design. Beyond the categories above, they can fund most assets and purchases.
Eligibility
Personal loan eligibility - what lenders in Australia look for
Steady income and reasonable credit will get you there with most lenders. Don't tick every box? We work with lenders who look at the full picture.
Age & Residency
18 or older, and an Australian resident or citizen.
Stable Income
Regular employment or a consistent income you can verify.
Good Credit History
A clean record helps, but it's not a dealbreaker - we work across a broad range of credit profiles.
Repayment Capacity
Enough room in your budget to cover repayments alongside your existing commitments.
Why Co-Pilot
Why Co-Pilot for personal loans - not just any broker
We work for you, not the lender
We're not tied to any bank. The loan we recommend is the one that suits you, not the one that earns us the most.
60+ lenders, not one bank's shelf
Banks, non-banks and specialists - rates and options that aren't on comparison sites or available direct.
Straight advice on secured vs unsecured
Secured is cheaper but puts your asset on the line. Unsecured costs more but nothing's tied up. We tell you which one actually suits.
You hear from us before you have to ask
You'll know where your application stands at every step, from first enquiry to settlement.
Personal loans - how it works
Tell us what you need. We find the loan that fits.
We run your situation across 60+ lenders and come back with the options that work - right rate, right term, secured or unsecured.
No application until you're ready. No impact to your credit score at the comparison stage. Most approvals in 24-48 hours once you proceed.
Hear What Our Clients Are Saying
“I had a great experience working with Sarah for my business loan. From the very beginning, the entire process was handled smoothly and professionally. She was extremely responsive, explained everything clearly, and made what could have been a complicated process feel straightforward and stress-free. The approval was handled efficiently, and I really appreciated the constant communication and support throughout. What stood out the most was her ability to understand my situation and find the right solution without unnecessary delays or complications. Highly recommend Sarah to anyone looking for reliable and efficient finance assistance. I’ll definitely be working with her again in the future.”
Sohil M
FAQ
Common Questions About Personal Loans
Have a purpose and a number in mind? Let's find your loan.
Tell us what you need. We compare 60+ lenders and come back with the rate and structure that fits.
No impact to your credit score