Personal Loans
Let stellar finance group help you dream big and borrow smart with our personal loans. whether it’s for a holiday, private education, or your big day, we’re here to help make it happen.
Whats on Your Bucket List?
Need funds upfront? Personal loans can bridge that gap, offering a smarter choice than reaching for your credit card. You gain the flexibility to manage your repayments and set a timeline that works for you
Secured
Here, you'll back your loan with ‘security’ or collateral, like your car or another valuable asset. This security gives your lender peace of mind, often translating into lower interest rates for you. If you can't meet the repayments, the lender might reclaim the asset to cover the debt.
Unsecured
Prefer not to pledge an asset? Unsecured personal loans are your go-to. This option is ideal if you don’t want to secure the loan with collateral, or if securing a loan isn't feasible.
Do All the Things
There are so many things you can do with personal loans. Pending loan approval, you could…
Boost Your Home’s Value
Even if your home is in great shape, there’s always room for improvements. Small upgrades by way of personal loans can not only enhance your living space but also increase your property’s value when it’s time to sell.
Fund Your Dream Wedding
Dreaming of a fairy-tale wedding but worried about the costs? Personal loans can help bring your big day to life without the financial stress.
Take That Much-Needed Holiday
Got a special celebration or just need a break? Fund your getaway with a personal loan and pay it off in manageable installments when you return.
Simplify Your Debts
Feeling overwhelmed by multiple debts? Consolidate them into one with a personal loan. Enjoy clearer repayment schedules and easier budget management. We’ll crunch the numbers to ensure it makes financial sense.
Get It Done
Looking for the best personal loan rates? You’re in the right place!
At Stellar Finance Group, we combine deep industry knowledge, a broad lender network, and a sharp focus on your specific financial goals to bring you top-notch loan options.
We’re not just loan experts; we’re people experts. We pride ourselves on understanding exactly what you need and matching you with the perfect loan from our vast pool of resources. You can trust us to deliver exceptional service and results.
Ready to chat? Call the friendly team at Stellar Finance Group at 0481 819 817 or drop us an online enquiry. We’re excited to hear from you and get started on finding your ideal personal loan solution!
To help you plan, use our Loan Repayment Calculator for a better understanding of your repayments.
How to Apply for a Personal Loan
1.Define Your Purpose
Whether you’re planning a major purchase, tackling debt consolidation, or covering personal expenses like a wedding or holiday, we start by identifying your financial goals. This helps us recommend the most suitable personal loan type, whether secured personal loan or unsecured personal loan.
2. Assess Your Financial Situation
We review your credit score, income, existing debts, and overall financial situation to understand your borrowing power. This step is essential for determining the right loan amount, monthly repayments, and loan term that fit your budget comfortably.
3. Gather Required Documents
Prepare your personal ID, recent payslips or tax returns, bank statements, and details about any current loans or debts. Having all documents ready helps speed up the loan application process and increases your chances of approval.
4. Compare Loan Options and Submit Application
We search our panel of trusted lenders to find competitive personal loan interest rates, low fees, and flexible loan terms. Then, we manage your loan application from start to finish, liaising with lenders and keeping you updated until you receive your loan funds.
Who We Are
DR. LISA BRIDGETT
At Stellar Finance Group, we are a boutique mortgage and finance brokerage specialising in personalised lending solutions for Australians. Our expertise covers secured personal loans, unsecured personal loans, and debt consolidation loans, designed to provide funding that fits your lifestyle and financial goals.
Led by PhD-qualified finance specialist Dr Lisa Bridgett, we take a strategic and client-focused approach. We work closely with a wide network of lenders, understand lending criteria, loan features, and credit requirements, and tailor your loan to your unique credit profile and repayment capacity.
Whether you’re funding a big purchase, consolidating multiple debts, or improving your cash flow, Stellar Finance Group guides you through every step of the personal loan process with clarity, efficiency, and trust.
How Personal Loans Work
Your Trusted Partner in Property and Finance
Personal loans are flexible, unsecured or secured loans that provide lump-sum funding for various personal expenses including holidays, private education, home improvements, and debt consolidation.
When applying for a personal loan, you can choose a secured personal loan where collateral like a car or savings account reduces lender risk and interest rates, or an unsecured personal loan that requires no collateral but may need a stronger credit score.
The loan amount, interest rate, and monthly repayments depend on your financial situation, credit score, lender credit criteria, and the loan term you select.
Approved funds are usually transferred directly to your bank account, ready for use. You then repay the loan with fixed monthly repayments over an agreed loan term, typically ranging from one to seven years.
At Stellar Finance Group, we help you understand personal loan fees, interest rates, early repayment options, and how your credit history impacts approval, so you can borrow confidently.
Benefits of Personal Loans
Personal loans offer a flexible and accessible way to fund your important life goals with competitive personal loan interest rates and manageable monthly repayments. Whether you choose a secured loan with lower interest or an unsecured loan for convenience, personal loans provide tailored financing options to suit your financial situation.
With fixed loan terms and predictable repayments, personal loans help you budget confidently and avoid the uncertainty of fluctuating credit card interest rates. Using a personal loan for debt consolidation can simplify your finances by combining multiple debts into a single monthly repayment, often saving you money on fees and interest.
Applying through a lending specialist like Stellar Finance Group ensures access to a broad panel of trusted lenders, enabling you to find the best loan offer with favourable loan terms and potential fee waivers. Our expert guidance helps you navigate credit criteria, understand early repayment fees, and manage your personal loan repayment efficiently.
Frequently Asked Questions
What can I use a personal loan for?
Personal loans provide flexible funding to cover a variety of needs, including debt consolidation loans to manage multiple debts, home improvements, weddings, holidays, and private education. With clear loan options and fixed monthly repayments, personal loans offer a convenient alternative to credit cards and other high-interest debt.
What is the difference between secured and unsecured personal loans?
A secured personal loan requires collateral such as savings accounts, a car, or a term deposit, which often leads to lower personal loan interest rates and better loan offers. Unsecured loans don’t require collateral but rely heavily on your credit history and credit score. Unsecured personal loan interest rates may be higher due to increased lender risk.
How much can I borrow with a personal loan?
The loan amount approved depends on your financial situation, including income, existing debt, and credit criteria set by the lender. Stellar Finance Group assesses your credit profile and personal circumstances to help find a loan offer with affordable monthly repayments tailored to your budget.
How long does the personal loan application process take?
After submitting your personal loan application and supporting documents, approval can be granted within 1 to 2 business days, depending on lender processing times. Using a lending specialist like Stellar Finance Group can streamline the loan application, reduce processing delays, and help you avoid unnecessary credit checks.
Will applying for a personal loan affect my credit score?
A personal loan application involves a credit check which may temporarily affect your credit score. However, Stellar Finance Group ensures your application meets lender credit criteria and minimises multiple credit inquiries, helping protect your credit rating while securing the best loan options.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones
From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu
Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan
It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw
Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.