UNSECURED PERSONAL LOAN

Whether you’re starting out or starting over, our unsecured personal loans offer fast access to funds. 100% online with rates tailored to you.

Fast funds with a personalised fixed rate

Planning renovations, a holiday or debt consolidation? Make your grand plans a reality with fast access to funds via our easy online application.

  • Borrow up to $80,000*

  • Loan terms of 3, 5 or 7 years

  • 100% online

  • Comparison rates from 6.55% p.a.1B

Easy to understand features, variables and fees

Features

Maximum loan amount* $80,000.00

Minimum loan amount $5,000.00

Loan term 3, 5 or 7 years

Repayments weekly, fortnightly, monthly ✅

Additional repayments ✅

Online application (no paperwork) ✅

Accepted purpose

Worthwhile non-business use

Fees

Ongoing fee2A - $0

Early repayment fee - $0

Early termination fee - $0

Discharge fee - $0

Establishment fee - $0 - $9503B

Things you should know:

1B* Unsecured personal loan interest rates will range from 6.55% p.a. to 19.99% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 6.55% p.a. to 21.49% p.a. This comparison rate is based on an unsecured $30,000 loan over a 5-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

2A* Other fees and charges may apply, such as dishonour and late fees.

3B* This fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.

1A* Secured personal loan interest rates will range from 5.90% p.a. to 19.19% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 6.33% p.a. to 20.77% p.a. This comparison rate is based on a secured $30,000 loan over a 5-year term with no balloon for a new vehicle. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2025 All rights reserved | Model Capital Solutions | Credit provided by Secure Funding Direct Lender Financial Partners.

Frequently asked questions

  • Model Capital Solutions Direct Lender personal loan assess borrowers based on a number of factors such as credit score and financial history. To find out what your personal loan interest rate will be, check your tailored rate by e-mailing us at info@modelcapitalsolutions.com

  • Your unsecured personal loan can be used for any predominantly personal or personal investment purpose, as long as it’s legal. Examples include debt consolidation, renovations, travel, investments, medical expenses, wedding costs or to purchase a car or boat.

  • Anyone over 18 years of age can apply for unsecured personal loan. Applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits) to be eligible.

  • An unsecured personal loan is not backed by any security. This means in the event that the loan is not repaid, the lender does not have any security it can recover to repay the amount owing. Secured personal loans are less risky for lenders and therefore tend to have more favourable terms than unsecured personal loans, such as lower interest rates.

  • When you get a personal loan interest rate estimate we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. However, when you submit a full personal loan application Model Capital Solutions will then conduct a 'full credit enquiry' which other credit providers can see and which may affect your score.

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Wherever you are in your journey, help is here however you need it.