Debt consolidation, tax obligations, cash flow smoothing. The wrong personal loan structure costs more than it needs to. Krishna finds the right lender for your specific profile and tells you honestly what it will cost.
✓ No credit score impact on enquiry
A personal loan is a flexible financial tool. The wrong structure, rate, or term costs significantly more than it needs to over the life of the facility. GPS Finance Group looks at your purpose, your full financial position, and the lender landscape before making a recommendation.
For self-employed applicants, Krishna understands how to present non-PAYG income in a way lenders can assess and approve quickly. For consolidation clients, he models whether consolidation actually improves your total interest position, beyond your monthly cash flow. Sometimes it does. Sometimes it does not. He will tell you which.
Unsecured Personal Loan, No asset required. Fixed or variable rate. Terms from 1-7 years. Common for consolidation, tax debt, and general purpose.
Secured Personal Loan, Asset-backed facility. Lower rate than unsecured. Vehicle, savings, or other security accepted. Better rate for borrowers with appropriate security.
Debt Consolidation Loan, Combine multiple liabilities into one facility at a lower combined rate. We model the total interest saving before recommending this approach.
Line of Credit, Flexible draw-down for ongoing cash flow management. Interest charged only on the drawn balance. Suited to irregular income timing.
Multiple credit cards, store cards, or personal loans at varying rates. Consolidate into one facility at a lower blended rate. Reduces total interest paid and simplifies repayments into one predictable monthly amount.
ATO tax debt, BAS shortfall, end-of-year tax bill. A structured personal loan resolves the obligation cleanly and prevents ATO interest and penalty charges from compounding on an unpaid balance.
Self-employed individuals managing irregular income timing. A personal facility bridges short-term gaps without touching business working capital or disrupting day-to-day operations.
Home renovation, medical costs, education fees, significant life events. Fixed rate, fixed repayment, clear payoff date without using home equity or disrupting long-term savings.
Krishna compares the right options across 30+ lenders for your specific purpose, income type, and credit conduct without leaving a mark on your file while you are still deciding.
General Advice Warning: Information on this page is general in nature and does not constitute financial or credit advice.