Unsecured Loans Australia
Fast, Flexible Funding with No Collateral Needed
Get access to finance without tying up your property or assets. Whether you’re consolidating debt, managing cash flow, or covering unexpected expenses, we help you find unsecured loan options that suit your situation, quickly and confidently.
What Is an Unsecured Loan?
An unsecured loan is a type of finance that doesn’t require you to provide an asset (such as your home or car) as security. Because no collateral is involved, lenders assess your loan eligibility based on your income, credit history, and ability to repay.
Unsecured loans are ideal when you need quick access to funds for:
Debt consolidation
Personal expenses or emergencies
Home renovations
Medical or dental costs
Travel, education, or weddings
Business purchases or short-term cash flow
These loans offer flexibility and convenience, especially if you want to avoid risking your assets or navigating lengthy approval processes.
Our Unsecured Loan Services
At Stellar Finance Group, we work with a wide range of lenders across Australia to offer tailored unsecured loan solutions for individuals, professionals, and business owners.
We can assist with:
Personal unsecured loans (up to $75,000)
Unsecured business loans for small and medium enterprises
Loans for self-employed borrowers or sole traders
Short-term and long-term repayment options
Debt consolidation loans to reduce interest and simplify payments
Fast approvals, some within 24 to 48 hours
No asset security required
We compare multiple lenders to find you competitive rates, fair terms, and the right loan structure based on your needs.
Why Choose Stellar Finance Group?
Choosing the right loan is about more than getting fast approval. We help you secure finance that fits your financial position and future goals, with support every step of the way.
Wide lender access: We search the market to find suitable options
Personalised service: We match you with a lender that aligns with your financial profile
Fast and efficient: We simplify the process to save you time and stress
Transparent guidance: No pushy sales, no hidden fees, just honest advice
Solutions for all credit types: Including applicants with less-than-perfect credit
Support for self-employed borrowers: Even without standard PAYG income
Who Can Apply for an Unsecured Loan?
Unsecured loans are available to a wide range of borrowers, including:
Full-time and part-time employees with steady income
Sole traders and freelancers
Small business owners seeking working capital
Borrowers looking to consolidate personal debt
Individuals with fair to strong credit scores
Applicants without asset security to offer
If you’re unsure about your eligibility, we’ll help you assess your options at no cost.
Frequently Asked Questions
How much can I borrow with an unsecured loan?
Loan amounts typically range from $2,000 to $75,000 depending on your income, credit history, and lender requirements.
How quickly can I get approved?
Approval can take as little as 24 to 48 hours. We’ll help you prepare your documents to streamline the process.
What documents do I need to apply?
Generally, you’ll need valid ID, proof of income (such as payslips or tax returns), recent bank statements, and details of any existing financial commitments.
Can I apply if I’m self-employed?
Yes. We work with lenders that offer unsecured loans to self-employed individuals and business owners, even without standard PAYG payslips.
Will applying affect my credit score?
We conduct an initial assessment without impacting your credit file. A formal application may involve a credit check, which we’ll advise you on before proceeding.
Can I get an unsecured loan with bad credit?
Possibly. Some lenders offer unsecured options for borrowers with less-than-perfect credit, although interest rates may be higher. We’ll explore suitable options based on your profile.
Speak to Us
Take the Next Step
At Stellar Finance Group, we make borrowing simple, transparent, and stress-free. Whether you’re funding a personal project, consolidating debts, or supporting your business, our team will help you secure an unsecured loan that fits your goals, without the red tape.
Enquire now for a free assessment, and let’s get you one step closer to smarter finance.
