Credit history concerns?
A missed repayment, lower score or previous decline does not always close every door. We look at your circumstances and recent conduct.
PERSONAL LOANS
FROM 5.95% P.A.
AI will find the lowest rate for you. Fast applications. More lenders. Less hassle.
Eligible unsecured personal loans from 5.95% p.a. interest and comparison rate. *Conditions apply.
A smarter way to borrow
DON’T RISK YOUR CREDIT SCORE
DON’T RISK YOUR CREDIT SCORE
SHOPPING FOR A LOAN.
One enquiry. More lenders. A smarter way to borrow.
Every formal lender application can leave an enquiry on your credit file. Applying to the wrong lender is a risk you do not need to take. We assess your circumstances first, find suitable pathways and help you move forward with confidence.
- No lender credit check just to enquire
- One enquiry opens up multiple lender pathways
- AI matching, supported by an experienced broker
Start with confidence
Check your options before making another application.
Protect your credit profile from unnecessary enquiries. Let us find a sensible lender pathway first.
✓ No lender credit check to enquire
✓ Multiple lender options
✓ Experienced broker assessment
We look beyond the standard application
NOT EVERY BORROWER
NOT EVERY BORROWER
FITS THE BANK’S BOX.
That doesn’t mean you’re out of options.
A less-than-perfect credit score. A recent job change. Income that varies. A temporary visa. Two lenders can look at the same borrower and reach different decisions. Knowing where to look can change your options.
Recently changed jobs?
New employer, probation or a change between roles? Income continuity and lender-specific employment rules can make all the difference.
Casual, contract or self-employed?
Your income may not arrive as a fixed salary. We understand how different lenders assess variable income and multiple jobs.
Temporary visa holder?
Visa type, time remaining and employment can affect your options. We help identify lenders that consider your circumstances.
You don't have to figure out which lender to approach. That's our job.
Check My Options →
Borrow for what matters to you
YOUR PLANS
YOUR PLANS
SHOULDN’T HAVE TO WAIT.
The holiday you’ve been planning. A home that feels like new. Simpler repayments. Whatever is next, start by finding the finance that fits.
The holiday you’ve been dreaming about
That overseas adventure or family getaway. Explore finance options to get your plans moving.
Explore Options →Make your home feel like new
A kitchen, bathroom or backyard project. Make more of the place you call home.
Explore Options →Fewer repayments. More control.
Explore whether combining eligible debts into one loan could simplify your repayments.
Explore Options →Something important coming up?
Medical expenses, a major purchase or a milestone. Tell us what you need.
Explore Options →Why GPS Finance GroupWE DO THE HOMEWORK
WE DO THE HOMEWORK
BEFORE YOU APPLY.
Protect your credit profile
We check lender fit before progressing to a formal application, helping avoid unnecessary credit enquiries.
AI that works to find your rate
Our matching technology searches eligible options on our lender panel for the lowest available rate.
Solutions beyond the obvious
Credit history, variable income, job changes and visa status deserve more than a one-size-fits-all answer.
Credit expertise behind the technology
More than 20 years in banking and credit helps us assess lender fit and the right next step.
AI technology. Human judgement.20+ YEARS OF CREDIT EXPERIENCE.
20+ YEARS OF CREDIT EXPERIENCE.
WORKING FOR YOU.
Krish Neelamraju
I've spent more than two decades working in banking and credit assessment. I understand how lenders make decisions—and why finding the right lender matters.
GPS Finance combines intelligent lender matching with real credit expertise. You get technology to find options and a broker who knows how to assess them.
Find My Rate →Three simple stepsFROM WHAT-IF
FROM WHAT-IF
TO WHAT'S NEXT.
STEP 1
Tell us what you need
Choose an amount and tell us a little about your circumstances.
STEP 2
Let us find your match
AI searches suitable lender options, backed by experienced credit assessment.
STEP 3
Get your loan moving
Choose an offer, complete the lender application and proceed toward funding.
Your questions answered
PERSONAL LOAN FAQS
What interest rate could I get?
Rates start from 5.95% p.a. interest and comparison rate on an eligible unsecured personal loan product. Different lenders may charge different rates and fees. Actual rates depend on lender assessment.
How quickly could I get the money?
Some lenders offer fast digital assessment and funding after approval. Timing depends on the lender and the completed application.
Will checking my options affect my credit score?
No lender credit enquiry is created when you make an initial enquiry with GPS Finance. A lender may check your credit file if you decide to make a formal application.
Can I get a personal loan with a low credit score?
You may still have options. Different lenders treat credit history differently, and we review lender fit before a formal application.
I’ve recently started a new job. Can I apply?
Yes, you can enquire. Your employment history, income continuity and probation arrangements help determine suitable lender options.
What if I’m casual, self-employed or working multiple jobs?
We look at your actual income circumstances and lenders that assess different employment arrangements.
Can temporary visa holders apply?
Some lenders consider eligible temporary visa holders. Visa type, expiry date, employment and other details determine lender fit.
Can I consolidate existing debts?
We can explore consolidation of eligible debts and compare the new repayments, interest and total costs.
What can I use a personal loan for?
Travel, home improvements, debt consolidation, medical expenses, major purchases and other eligible personal needs.
How does GPS Finance find my rate?
Our AI matching system searches suitable options on our lender panel. We combine the results with experienced broker assessment.
How much can I borrow?
We consider income, expenses, existing commitments and lender criteria when exploring an appropriate loan amount.
Is GPS Finance a lender?
No. GPS Finance Group is a broker helping you explore available lenders and navigate the application process.
YOUR NEXT MOVE
STARTS HERE.
Better rates. Smarter matching. More possibilities. Let AI find the lowest rate for you.
Find My Lowest Rate →✓ No lender credit check to enquire · Australia-wide finance support
Personal loan rates & conditions
Loan terms: 6–84 months, depending on the lender, loan purpose and eligibility.
Interest and comparison rates: From 5.95% p.a. For an available unsecured personal-loan product, the maximum annual interest and comparison rate is 26.95% p.a. Other lenders on our panel may charge higher rates and fees.
Representative cost example: A $30,000 unsecured personal loan over 5 years at 5.95% p.a. interest and 5.95% p.a. comparison rate, with no standard loan fees, would have estimated total repayments of $34,703.50 using fortnightly repayments (including $4,703.50 interest).
Comparison rates are based on a $30,000 loan over 5 years and may not include every fee or charge. Different loan terms or amounts can change the comparison rate. Rates and approval are subject to lender assessment.
Important personal loan information
This is an initial option check, not a loan approval.
- Personal loans are subject to lender assessment, eligibility criteria, fees, charges and responsible lending checks.
- GPS Finance Group is a credit representative of AFAS Group Pty Ltd, Australian Credit Licence 414426. Credit Representative Number 000575797.
- We do not guarantee approval, same-day funding, a specific interest rate, or a specific lender outcome.
- No credit-score impact applies to the initial GPS Finance option check only. A credit enquiry may occur if you proceed with a formal lender application.
- Loan terms, repayments, fees, rates and total cost will depend on the lender, loan amount, term and your circumstances.
Regular work or business income is usually the strongest fit, but approval, pricing and timing depend on lender assessment and your full circumstances.