Debt consolidation, tax obligations, cashflow smoothing — GPS Finance Group identifies the right personal loan structure and the right lender for your profile, so you're not just getting a loan, you're getting the best available terms for your situation.
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A personal loan is a flexible tool — but the wrong structure, rate, or term can cost significantly more than it needs to. GPS Finance Group looks at the purpose of the loan, your full financial position, and the lender landscape before making a recommendation.
For self-employed applicants or business owners seeking personal facilities, we understand how to navigate the additional complexity that comes with non-PAYG income presentation.
For consolidation clients, we assess whether the consolidation actually improves your position — not just your monthly cash flow — before structuring the facility.
Unsecured Personal Loan — No asset required. Fixed or variable rate. Terms from 1–7 years. Suited to consolidation and general purposes.
Secured Personal Loan — Asset-backed facility. Lower rate than unsecured. Vehicle, savings, or other security accepted.
Debt Consolidation Loan — Combine multiple liabilities (credit cards, personal loans) into one facility at a lower combined rate.
Line of Credit — Flexible draw-down facility for ongoing cashflow management. Interest charged on drawn balance only.
Multiple credit cards, store cards, or personal loans at varying rates. Consolidate into a single facility at a lower rate — reducing total interest paid and simplifying repayments.
ATO tax debt, BAS shortfall, or end-of-year tax bill. A structured personal or business loan can resolve the obligation cleanly and prevent ATO interest and penalty charges from compounding.
Self-employed individuals managing irregular income timing. A personal facility bridges short-term gaps without touching business working capital or disrupting operations.
Home renovation, medical costs, education fees, or life events. Fixed rate, fixed repayment, clear payoff date — without using your home equity or disrupting savings.
Personal loan approvals are driven by a tighter set of criteria than business lending — which makes proper preparation and lender selection even more critical.
Your employment type (PAYG vs. self-employed), income stability, and tenure all affect which lenders will consider your application and at what rate. Self-employed income requires careful presentation.
Comprehensive credit reporting means lenders can see your full repayment history — including on-time and late payments. Recent conduct matters more than older events. We assess your file before submission.
Every existing credit commitment (mortgage, car loan, credit card limit) reduces your serviceability. We calculate the net position and identify the facility structure that maximises your approval outcome.
The stated purpose of the loan affects which lenders are appropriate and how the application is framed. A clear, consistent purpose narrative reduces the likelihood of additional questions or conditions.
Use our personal loan calculator to estimate your monthly repayments, total interest, and total cost — then speak to a specialist about the right facility structure for your situation.
