Personal loans

  • Personal loans for all reasons
  • Quick approval
  • Money within days
  • Minimum $5000 for loan amount

Time Finance can help you with a range of personal loan needs, whether you are planning a holiday, buying a car, education expenses, or consolidating your current personal loans including your credit card debt. 

We offer a range of personal loans for amounts over $5,000 to suit your needs, plus we make the loan process as easy as possible.  You must be employed to qualify for a personal loan.

Great rates

Why pay more than you have to? We have a panel of personal loan lenders, rather than just one or two products like the banks. This means you get a choice between a number of rates, and we could possibly lower your repayments even more!

Pre-approval on your loan

If you'd like more bargaining power when you buy your new car or motorbike, why not get pre-approval on your loan? Pre-approval gives you peace of mind, you know exactly what you can afford and it dramatically increases your bargaining power!

Fixed repayments

Do you like the certainty of fixed monthly repayments for the life of the loan? We do! That's why a range of our loans have fixed interest rates, which means you won't be subject to interest rate rises.

Quick and easy

With the help of a Time Finance broker, we can get loan approval within hours and your money within days. The application form only takes twenty minutes and is easy to complete, and of course your Time Finance broker will be more than happy to assist you with this.

Please note we can only arrange personal loans for amounts above $5,000.

With hundreds of different loan products in the market from all lenders, it can be a daunting time to go shopping for a home loan if you are doing it yourself or don't know what to look for. The benefits of why you should use a professional Time Finance Mortgage Broker are guaranteed.

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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).


Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases


Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.


Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article


It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.


This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.


The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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