Finwise Finance is one of our top recommendations for getting your next personal loans in Perth.

We like that they make the lending process easier by being reliable and doing the nitty-gritty. They match clients with the lender that best suits their individual needs for personalised outcomes.

Moreover, their fixed interest rates seem flexible enough. This is available for terms of 12 months to 7 years.

Their online calculator is also handy. Prospects may calculate their repayments by inputting their preferences: the amount required, requested rate, loan length, repayment frequency, deposit, and balloon rate.

Through this tool, potential borrowers would already know what to expect with their loan summary, which we think is especially helpful to beginners.

On top of that, there’s an option to consolidate multiple loans. This way, personal loans, credit card debts, and others would combine into a single loan that would be less complicated to repay.

Refinancing could also be done to save money by securing a lower rate through one of their 30+ lenders. We believe having connections with multiple lenders ensures borrowers access to the best rates possible.

However, seeking expert financial help is advisable to avoid making hasty decisions. Additionally, this agency requires substantial proof that you’ve been able to make regular repayments before refinancing.

If interested, Finwise Finance can provide a non-obligatory quote, except on the weekends.

We recommend Loans 123 for their wide range of services, such as offering personal loans in Perth. True to their name, they boast of their fast approval process.

Conveniently, we believe their list of loans covers numerous challenges – personal, car, commercial, warranty, and insurance. We like that they ensure borrowers get the loan most suitable to their current financial situation.

Several clients we spoke to, in particular, commended their staff’s professional help in achieving their goals. We saw that many of these are for nice cars and bikes.

But, they don’t offer short-term personal loans like payday loans. Their team believes offering these may negatively impact the client’s credit score.

Their personal loan can be used for many legal purposes too. This can be used for a holiday, home renovation, debt consolidation, cosmetic surgery, weddings, funerals, and the like.

We appreciate that almost any reason could be accepted for their personal loan, even big, one-time payments. But, of course, they would limit unsecured personal loans to $30,000 as the maximum amount.

In addition, they have good customer service to entertain all enquiries. Their informative and responsive team thoroughly explains the safety of acquiring personal loans without needing collateral.

Loans 123 can streamline your loan process through a quick call. When visiting their office, just note that the location is by a school zone, so it’s best to drive more carefully.

Loans Unlimited is one of the quickest providers of personal loans in Perth – we appreciate that they can approve as fast as an hour! 

It’s impressive that they already have 40 years of experience in the business. We think they likely already dealt with diverse clients, making them adapt to almost every loan and insurance dilemma.

We also like that they have a huge range of lenders to pick from. This gives higher chances for borrowers to find the best finance solution for their individual needs.

This company understands that financial jargon can be confusing too. Some clients we spoke to were thankful that everything was explained patiently and in simple terms.

Moreover, we commend that consumers can access their files if their credit application was refused or rejected within the past 90 days. Many would appreciate the transparency. 

Besides that, clients may request a free copy of the file for easy reference.

Nevertheless, there were instances when their team took a while to get back to the clients with their quotes. Sometimes, they may be understaffed too, so we suggest sending follow-up messages now and then.

Loans Unlimited is available daily except Saturday afternoons and Sundays. It’s also convenient that they can provide decent parking when you visit their office.

Fastlane Finance is one of our top picks because of their flexible personal loans in Perth.

We applaud that their personal loans have helped many borrowers solve their immediate problems or long-term plans. For instance, this may involve sudden medical procedures, house renovations, or travel goals.

It’s also valuable that they have numerous other offerings like car and leisure loans, business car and equipment financing, insurance, and warranty. Debt consolidation is an option to avoid complications too.

While filling out their online application form may be quick and easy, we still advise that prospects know how good their credit score is. But if you’re unsure, we’re glad there’s also an option to mention this.

Their patience is worth noting too. They guide their clients every step of the way and keep them posted for transparency. 

But, one drawback is that their staff may tend to upsell their financing services. We advise you to stay firm on your preferences and communicate them well to avoid hefty charges later.

You may contact Fastlane Finance by calling or dropping by their location during operating hours. Note that their office may not be easy to find since other auto establishments are in front of their building.

Yes Loans is one of our top personal loan agencies in Perth with high lending amounts. It’s impressive that they’ve already helped thousands of Australians to have better financial means.

We appreciate that they don’t drag out the processes for too long. They keep things efficient with fast response times and consistent communication with clients.

A client shared having experienced doing his application in as quick as 10 minutes! It’s among the fastest we’ve seen among a good number of borrowers in Perth.

This is preferable because it saves a lot of time and resources without having to wait in a long queue, in our opinion.

The maximum unsecured personal loan (without collateral) is $60,000, which we think is higher than the average offer in the city. For us, this could help prospects with bigger and more immediate spending needs.

As for secured loans (with collateral), we also applaud that there’s no maximum amount for lending, and the minimum is $5,000.

It’s also considerate of them to let clients pay both the interest and principal loan amount off at each weekly, fortnightly, or monthly repayment.

The only drawback is that interest rates may be high for some. Make sure to discuss the rates well with your broker, so miscommunication can be avoided early on.