Personal loans, Perth brokers, Australia wide
Personal Loans
We work harder to say yes more often.
Whether you’re planning a home renovation, covering an unexpected medical bill, or finally booking that trip you’ve been putting off, a personal loan can bridge the gap. At Yes Loans, we’re a Perth-based finance broker who works harder to say yes more often.
4.8 from 300+ reviews
Apply online in less than 10 minutes
Getting your rate here won’t affect your credit score
Get your personalised rate
“*” indicates required fields
"*" indicates required fields
We compare across our panel of lenders
Angle Finance Latitude Financial Sovereign Credit Pepper MoneyMoney3Allied Credit
Why Choose Yes Loans
We don’t lend directly. Instead, we compare options across our panel of lenders, including Angle Finance, Latitude Financial, Sovereign Credit, Pepper Money, Money3, and Allied Credit, to find a structure that fits your situation.
Tailored finance
with terms to suit your budget
Repayment terms and structures built around what you can comfortably service, rather than around one lender’s single product. Most personal loans run between two and seven years, with weekly, fortnightly or monthly repayments.
Fast turnaround
so you get a decision without the long wait
Most applications receive a response within one to two business days, and more straightforward applications are often faster. You can apply online in less than 10 minutes, and getting your rate here won’t affect your credit score.
Simple, transparent process
with no hidden costs or agendas
At Yes Loans, we believe in keeping things transparent. No hidden costs, no surprises buried in the fine print. Our brokers will walk you through your options, including rates, fees, and repayment structures, before anything is submitted.
Dedicated brokers
who make your application their priority
We don’t lend directly. Instead, we compare options across our panel of lenders to find a structure that fits your situation. Our brokers handle the hard work so you don’t have to, and it will be 0ne of these eight who does it.
And when something else fits better
What Can You Use a Personal Loan For?
One of the advantages of a personal loan is flexibility. Unlike a car loan or home loan, the funds aren’t tied to a specific purchase. Here are some of the most common uses our brokers see, and the one case where we would point you somewhere else.
Home improvements and renovations
A personal loan
From a new kitchen to a full extension. See our home improvement loans page for more.
Travel and holidays
A personal loan
Domestic or international. Our travel loans page covers how it works, including why there is no asset to secure a holiday against.
Medical, dental or cosmetic
A personal loan
Procedures you need now and want to spread over time. See our medical loans page for details.
Rolling several debts into one
Usually a personal loan
Debt consolidation, rolling multiple repayments into one. Our debt consolidation loans page explains when this makes sense, and it is worth reading the when: consolidating a short debt over a long term can cost more overall even though the repayment falls.
Unexpected expenses, weddings and one-off purchases
A personal loan
Car repairs, urgent bills, emergency costs, weddings, events or major once-off purchases. This is the category a personal loan exists for, because there is nothing to secure it against and the funds are not tied to a specific purchase.
A car, motorcycle, caravan or boat
Something else fits better
If you’re borrowing to buy a car, motorcycle, caravan, or boat, we have specialist loan products for each of those. A personal loan generally has a higher rate than a secured asset-backed product, so it’s worth comparing your options first.
Not sure which structure suits your situation? That’s exactly what our brokers are here for. A quick chat on (08) 9472 3000 can save you a lot of back-and-forth.
Why shopping across a panel matters
What Affects Your Personal Loan Interest Rate?
Lenders don’t offer everyone the same rate. Your rate is based on how much risk the lender perceives in your application. Put two rates side by side and see what the difference is actually worth on your own loan.
Our minimum personal loan is $5,000, and for unsecured loans the maximum is typically $200,000, subject to your income, expenses and credit profile. For smaller amounts, our referral partner MoneyBuddy may be able to help with loans from $500.
Longer terms mean lower monthly repayments but more interest paid overall. Stretching the term also makes the gap between two rates bigger, because there are more years of it to pay.
Both of these numbers are yours, not ours. Yes Loans is a broker and does not set rates: lenders price each application after they have read it, and your actual rate will depend on your credit profile and which lender on our panel your application is matched to.
What that difference is worth
A calculation floor has been applied to keep this estimate realistic.
The most common question our brokers get
What's the Difference Between a Secured and Unsecured Personal Loan?
This is one of the most common questions our brokers get, and it’s worth understanding before you apply.
Secured Personal Loan
An asset backs the loanUnsecured Personal Loan
No asset requiredNot sure which structure suits your situation? That’s exactly what our brokers are here for. There is also a longer read on secured and unsecured loans if you want the detail before you call.
Six things a lender weighs
What has the most impact on your rate
Lenders don’t offer everyone the same rate. Your rate is based on how much risk the lender perceives in your application. Here’s what typically has the most impact:
Credit score
Higher score generally means a lower rate. Lenders use Equifax, Experian, or Illion.
Secured vs unsecured
Secured loans are lower risk for the lender, so rates tend to be lower.
Loan term
Longer terms mean lower monthly repayments but more interest paid overall.
Loan amount
Larger amounts can attract better rates with some lenders, but not always.
Income and expenses
Lenders assess your ability to repay. A strong income-to-expense ratio helps.
Employment type
Full-time employment is lowest risk. Self-employed applicants can still be approved.
Been knocked back before?
Can I Get a Personal Loan with Less-Than-Perfect Credit?
Yes, in many cases. A credit history that isn’t spotless doesn’t automatically close the door. Different lenders on our panel have different credit appetites.
Different lenders, different appetites
Lenders like Pepper Money and Money3 are experienced with applications that mainstream banks might decline, including applicants with past defaults, limited credit history, or recent financial difficulty.
Your full picture, not just a score
Our brokers assess your full picture, income, expenses, repayment history, and employment, and match your application to the lender most likely to work for your situation.
Debt you are already carrying
For more on managing debt alongside a new loan, our debt consolidation loans page is worth a read.
Read your own credit report first
ASIC's MoneySmart website also has practical guidance on understanding your credit report at moneysmart.gov.au.
Been knocked back before?
That doesn’t mean you’re out of options.
Hear From Our Customers: We Offer the Best Finance Deals
Yes Loans
263 Albany Hwy, Victoria Park
-
Cooper was an absolute pleasure to deal with. gave me his full attention, very thorough with his explanations. and was incredibly helpful all together. … More extremely satisfied with his service. -
I couldn’t be happier with the service I received from Stephen Pastorelli.
We submitted our personal loan application at around 8:00am this morning, and … More by 3:00pm the same day it had already been approved. The entire process was incredibly smooth and stress-free.
Stephen was professional, kind, patient and genuinely understanding throughout the whole application. He was extremely knowledgeable, explained everything clearly, and made us feel comfortable and supported from start to finish. Nothing ever felt rushed, and he was always happy to answer our questions.
It’s rare to receive this level of personal service these days. Stephen is an absolute credit to the company, and I would have no hesitation recommending him to anyone looking for assistance with finance.
Thank you, Stephen, for making what can sometimes be a stressful process such a positive experience. Five-star service from beginning to end! -
A huge shout-out to Stephen and the team at Yes Loans for going above and beyond to help make my finance journey a smooth and successful one.
From my … More very first contact with Stephen, the entire process was handled with professionalism, dedication and genuine care. What started as a vision quickly became a reality for me and my family, and I couldn’t be more grateful for the support throughout the process.
I highly recommend Stephen and Yes Loans to anyone looking for finance. Their commitment to finding the right solution and making the process as easy as possible truly stood out to me.
Thank you again, Stephen and Yes Loans, for making it happen.
Perth based, every one of them
The brokers who will read your file
We don’t lend directly. Our brokers compare options across the panel and handle the hard work so you don’t have to. Every rating below is that broker’s own Google rating as published on the Yes Loans about page.
Goran Babac
5.0 (22)
Trent Cray
5.0 (17)
Ridge Kidd
5.0 (22)
Trent Hilliam
5.0 (17)
Cooper Boyd
5.0 (4)
Stephen Pastorelli
5.0 (2)
Aidan Daggett
5.0 (1)
Vojin Jancic
5.0
Leo Rifici
5.0
Paddy Knight
5.0 (1)
3 Steps for Fast Finance
Apply online in minutes
We match you to the right lender
Get your finance fast
Go deeper than a hub can
Other Personal Loan Services
If one of these is closer to what you are funding, the page for it covers the detail this one only summarises.
Home Improvements
From a new kitchen to a full extension.
Travel Loans
Domestic or international, with no asset to secure it against.
Medical Loans
Procedures you need now and want to spread over time.
Debt Consolidation Loans
Rolling multiple repayments into one.
Personal loans, in plain terms
What Is a Personal Loan?
A personal loan is a fixed-sum loan you repay over an agreed term, usually between two and seven years, through regular weekly, fortnightly, or monthly repayments. Most personal loans are unsecured, meaning no asset is attached as collateral, though secured options are available and often come with lower rates.
Personal loans can be used for almost anything. Popular uses include home renovations, travel, medical and dental procedures, debt consolidation, and major purchases. If you’re financing a car, a car loan is usually the better-structured option – chat to one of our brokers and we can walk you through the difference.
Fixed or Variable Rate: Which Personal Loan Is Right for You?
Most personal loans in Australia are fixed rate, meaning your repayments stay the same for the life of the loan. Variable rate options exist but are less common for personal finance.
A fixed rate gives you certainty. You know exactly what you’re paying each month, which makes it easier to budget. A variable rate can move with market conditions, which means repayments could go up or down. For most borrowers taking out a personal loan for a specific purpose, fixed rate tends to be the simpler choice. Your actual rate will depend on your credit profile and which lender on our panel your application is matched to.
Affordable and Flexible Personal Loans in Perth
At Yes Loans, we believe in keeping things transparent. No hidden costs, no surprises buried in the fine print. Our brokers will walk you through your options, including rates, fees, and repayment structures, before anything is submitted.
We work with a panel of lenders including Angle Finance, Latitude Financial, Sovereign Credit, Pepper Money, Money3, and Allied Credit. That panel diversity means we can often find a way forward for applications that might get a knock-back from a single bank or lender. Our minimum personal loan is $5,000. For smaller amounts, our referral partner MoneyBuddy may be able to help with loans from $500.
Get Started with Easy Loans in Perth
We say YES more often, and we are able to help you anywhere in Australia, and we are proud to say YES, for all the right reasons too. You can apply online in less than 10 minutes, and getting your rate here won’t affect your credit score.
Read next
Choosing Between A Personal Loan And A Car Loan
In the guide The distinction this page keeps pointing at
- Why a car loan is secured and a personal loan usually is not
- What securing the loan against the car actually changes
- When a personal loan is still the right call for a vehicle
- What to compare before you decide either way
Victoria Park, Western Australia
We say YES more often, and we can help you anywhere in Australia.
4.8
from 281 reviews on Google
8
brokers, every one of them in Perth
10 min
to apply online, with no mark on your credit score
$5,000
our minimum personal loan
Get Started with Easy Loans in Perth
We say YES more often, and we are able to help you anywhere in Australia, and we are proud to say YES, for all the right reasons too.
We work harder to say yes more often. Call (08) 9472 3000 or apply online today. You can apply online in less than 10 minutes, and getting your rate here won’t affect your credit score.
From the Yes Loans blog
Latest insights
Frequently Asked Questions
What is a personal loan?
A personal loan is a fixed-sum loan you borrow and repay over an agreed term, typically two to seven years. Repayments cover both the principal and interest, so you’re paying down the loan from day one. Most personal loans are unsecured (no asset required), though secured options are also available.
What's the difference between a secured and unsecured personal loan?
A secured personal loan uses an asset, such as a car, as collateral. Because the lender holds security, rates are generally lower. An unsecured loan doesn’t require an asset, which gives you more flexibility in how you use the funds, but rates tend to be slightly higher to reflect the additional risk to the lender. Our brokers can help you work out which structure suits your situation.
What's the difference between an interest rate and a comparison rate?
The interest rate is the base cost of borrowing. The comparison rate adds in most standard fees (like establishment and monthly fees) and rolls them into a single annual percentage, giving you a truer picture of what the loan will cost. Always check the comparison rate when weighing up offers.
How much can I borrow with a personal loan?
The minimum personal loan through Yes Loans is $5,000. For unsecured loans, the maximum is typically $200,000, subject to your income, expenses, and credit profile. Your broker will work through your most comfortable borrowing amount with you before any application is submitted, and our loan calculator is the quickest way to sanity check a figure first.
Will applying for a personal loan affect my credit score?
Each formal credit application can leave an enquiry on your credit file, which can marginally affect your score. At Yes Loans, our brokers assess your situation before submitting anything, and we aim to match you to the right lender the first time. This reduces the need for multiple applications. Getting a quote through Yes Loans won’t affect your credit score.
Can I apply if I'm self-employed?
Yes. Self-employed applicants can be approved, though lenders typically want to see at least one to two years of trading history, plus recent bank statements and tax returns. Our brokers know which lenders on the panel work well for self-employed applications, which saves you time.
How long does approval take?
Most applications receive a response within one to two business days. More straightforward applications are often faster. Once approved, your broker will explain the settlement process and what happens next.
What documents do I need to apply?
Standard documents include: recent payslips or proof of income, bank statements (usually the last three months), a valid form of photo ID, and details of your current expenses and any existing debts. Your broker will let you know if anything else is needed based on your application.
Can I repay my personal loan early?
In most cases, yes. Most lenders on our panel allow additional repayments or lump sum payments without penalty. Early repayment conditions vary by lender, so your broker will walk you through what’s in your credit contract before you sign.
What can I use my personal loan for?
Almost anything. Home renovations, travel, medical expenses, weddings, debt consolidation, and large purchases are all common uses. If you’re buying a vehicle, it’s worth asking about a car loan or leisure loan instead, as those products are often better structured for asset purchases. There is also a longer read on using a personal loan for debt consolidation if that is what brought you here.
Do I need to provide security or a guarantor?
Not always. Unsecured loans don’t require either. For larger loan amounts or applications with more complex credit histories, a secured loan or guarantor can strengthen your application. If you’re considering a guarantor, it’s worth seeking independent legal advice beforehand so they understand their obligations.