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    Secured Personal Loans

    Secured Personal Loans:

    If you’ve got assets that you can offer as security for your loan, Active Finance can work for you to provide a great loan with an outstanding interest rates for a secured personal loan. Whether it is a car, a property, or some other asset that you can use as a guarantee for your loan, providing some security gives you more leverage, so we can get you a larger loan at the best possible interest rate. This extra level of security reduces the risk of your loan to the loan provider making a secured personal loan the ideal option for people with bad credit ratings.

    You can even combine vehicles and property to back your secured loan to maximise your leverage. At Active Finance, we’ll help guide you through all the available options so you can be confident that you are getting the right secured personal loan for you. Try our secured personal loan calculator and calculate your weekly, fortnightly and monthly payments.

    Active Finance is a little different to your traditional lenders like the big name banks. When you come to us for your secured loan, you’ll never see the ‘normal lending criteria applies’ footnote. That’s because at Active Finance we believe that every loan application should be judged by its individual merits, not by your financial past. We pride ourselves on striving to help everybody who needs a loan, regardless of their circumstances. To achieve this, we use a wide variety of lenders, so we can assess all the available options for you, and present you with those that best suit your current situation.

    When you need a secured loan, the team at Active Finance find the best option for you, not the best option for us, and that’s what makes us different. We also offer flexible repayment options, so you can be sure that your loan is the right one for you now and in the future.

    There are any number of reasons why that you might be looking for a secured personal loan, and whatever those reasons are, we want to help you realise your dreams. We can provide a secured personal loan for a myriad of uses, including but certainly not limited to:

    • Your dream holiday or wedding
    • Purchasing a new vehicle or boat
    • Completing home renovations or maintenance work
    • Those unexpected events that can happen
    • Covering bills, debt consolidation or purchasing household goods

    We know that every secured loan application is different, so no matter what your reasons are, Active Finance are here to help you. If you’re not sure which loan is best for you, or want to talk through some of our flexible repayment terms, contact our experienced and friendly team  and they’ll be happy to talk you through the options available to you. Alternatively, complete our quick and easy application form  and see just how simple it is to get your secured loan approved with Active Finance.

    Interest rates for secured personal loans do vary based on your overall profile which includes your credit history, residence and income stability and also depends on the security on offer. Loan terms also vary depending on the security on offer but you can expect to be able to repay your loan between a minimum of 6 months and maximum of 60 months typically, there can be variations to this, for example if you are using a property as security then sometimes the term of the loan can be stretched out to 84 months for a secured personal loan. We do try and structure the repayments to suit you and your affordability hence the term can vary to meet individual requirements. We have given an interest rate guide below along with an example based on a real case of a typical secured personal loan taken out over 36 months, repaying weekly, using a car as security for a borrower who has a good to excellent credit history.

    Secured personal loan interest rates range between 10.95% and a maximum of 18.95%
    Example: Amount financed of $10,495.00 over 36 months (3 years) at the minimum rate of 10.95% = 156 weekly repayments of $81.75  and at the maximum rate of 18.95% = 156 weekly repayments of $88.70

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