Personal Loans

Whether it's for a well-deserved holiday, new furniture, a university course, debt consolidation, or even getting married, Ferns Finance is here to make your personal dreams a reality. We offer personalised personal loan solutions, doing all the legwork to match you with the right finance.

Finance your dreams & life's moments

Finance Solutions For Personal Loans: Your Goals, Our Priority

Life is full of moments and aspirations – big and small. Sometimes, you need a little financial boost to make those dreams a reality, or to manage unexpected expenses. Whether it's for:

  • That dream holiday you've been planning
  • Purchasing essential new furniture or appliances
  • Investing in yourself with a university course or professional development
  • Consolidating high-interest debts into one manageable repayment
  • Celebrating a milestone like a wedding or significant event
  • Undertaking home renovations or repairs
  • Covering medical or dental expenses
  • Or simply needing extra funds for a personal need

At Ferns Finance, we're here to help you secure the right finance. We understand that every personal financial situation is unique. Our role is to simplify the process of finding and securing a personal loan, saving you time, stress, and hassle.

How Ferns Finance Finds Your Ideal Personal Loan:

Navigating the diverse world of personal loans can be confusing, with various lenders offering different rates, fees, and terms. We specialise in cutting through this complexity for clients throughout Beenleigh, Logan, Scenic Rim, and the Gold Coast.

  • Access to Diverse Lenders: We work with an extensive panel of over 60 banks and financial institutions who offer a wide range of personal loan products. This includes secured and unsecured options, fixed and variable interest rates, and flexible repayment terms.
  • Tailored to Your Needs: We take the time to understand your specific purpose for the loan, your financial situation, and your repayment preferences. This allows us to recommend the loan that truly fits you, not just a generic offer.
  • Simplified Process: Forget the endless paperwork and phone calls to different banks. We do all the legwork for you – from assessing your eligibility to submitting applications and liaising with lenders. We'll present you with clear options and guide you through every step.
  • Competitive Rates & Terms: Our goal is to help you secure the most competitive interest rates and favorable terms available, ensuring your personal loan is affordable and supports your financial wellbeing.

Don't let financial hurdles stand in the way of your next big moment. Talk to us today for expert, personalised advice on securing a personal loan that works for you. Let's make your dreams a reality.

Your personal loan journey, simple & stress-free

It's easy! Six simple steps are all it takes to bring your plans to life and get the extra funds you need, fast. Sit back – we'll handle all the legwork for you.

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Let's talk today
1

Let's Chat About Your Dreams

‍Your journey starts with a friendly conversation. Get in touch to discuss your current financial situation and, most importantly, your personal goals – whether it's that dream holiday, a special event, or a new course. We can connect in person or online.

2

Finding Your Perfect Match (The Research)

‍We'll do all the heavy lifting! We compare multiple lenders and loan options to create a personalised shortlist that's perfectly suited to your unique situation and what you're hoping to achieve.

3

Understanding Your Potential (Pre-Approval)

‍Once you've chosen a lender from your options, we'll quickly get you pre-approved. This means you'll know exactly how much you can borrow and clearly understand the repayment plan, giving you peace of mind.

4

Getting Your Plans into Motion

‍With pre-approval safely in place, you're empowered to move forward! Now you can confidently finalise all those exciting plans you've been dreaming about – whether it's booking that trip, planning that event, or enrolling in that course.

5

Securing Your Funds (The Green Light)

‍Once you're ready to make it happen, we'll work diligently behind the scenes to secure the finance from your chosen lender. We'll handle all the details, making the process smooth and hassle-free for you.

6

Done! Time to Enjoy

‍It's done! The funds are ready. Book that holiday, get married, pay for your uni course, start that renovation – whatever your plans, you can now make them a reality. Congratulations!

Explore your loan options & their features.

There are a number of different loan types and features available to you, learn more below. We are here to help answer your questions when you’re ready.

Secured Loans

You provide collateral (such as the car or property) as security against the loan in case you can’t afford your repayments.

Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.

Unsecured Loans

No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.

Interest rates can be higher than a secured loan and you might not be able to borrow as much.

Fixed rate loan

Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.

Variable rate loan

As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

Calculate now

Credit Card Calculator

Understand how long it’ll take to complete your repayments and how much interest you will pay.

Calculate now

Income Tax Calculator

The income tax calculator can be used to calculate your net income.

Calculate now

Personal Loan Repayment Calculator

Use this calculator to find out how much your personal loan repayments will be.

Calculate now

Savings Planner Calculator

Use the calculator to find out how much you could save.

Calculate now

Frequently asked questions.

View our full FAQs
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Are finance brokers regulated?

Yes, finance brokers are regulated to ensure they operate fairly and transparently. In many countries, brokers must be licensed and adhere to specific industry standards. This regulation helps protect consumers by ensuring that brokers act in their clients' best interests and provide accurate information.

Before working with a broker, it's advisable to verify their credentials and ensure they are compliant with local regulations.

Are there differences in borrowing power between Brisbane and Gold Coast properties?

Yes — location affects property values and lender risk profiles. We’ll assess your borrowing capacity based on the exact suburb you’re targeting.

Are there loans for building or renovating in Tamborine?

Yes, we can help with construction loans or renovation-specific personal loans. Even if you’re just upgrading a shed or adding a studio — we can find options.

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Can I still get a home loan in Logan with a low deposit?

Yes! There are low-deposit options available, including First Home Guarantee schemes and lender-specific products. Ferns Finance Brokers can help you find the best fit based on your situation.

Can a finance broker help with bad credit?

Yes, finance brokers can assist clients with bad credit. They have access to lenders who specialize in offering loans to individuals with less-than-perfect credit histories. Brokers can help you understand your options and find a lender willing to work with your situation.

While securing a loan with bad credit may come with higher interest rates, a broker can help you navigate these challenges and find the best possible terms.

Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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Do you work with local real estate agents and conveyancers?

Yes — we have a strong local network and can connect you with trusted professionals to make the process smooth.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

How long does approval usually take in Logan or Gold Coast?

Depending on the lender, approvals can take 2–10 business days. We’ll prep your application to reduce delays.

How to choose a finance broker?

Choosing a finance broker involves several key considerations:

  • Experience: Look for brokers with a proven track record in the industry.
  • Reputation: Research reviews and testimonials from previous clients to gauge their reliability.
  • Services Offered: Ensure the broker provides the specific services you need, whether it's mortgages, personal loans, or business financing.

Taking the time to choose the right broker can lead to a more successful borrowing experience.

What are the benefits of using a finance broker?

Using a finance broker offers several benefits, including:

  • Access to Multiple Lenders: Brokers have relationships with various lenders, giving clients access to a wider range of financial products.
  • Expertise: Brokers are knowledgeable about the finance industry and can provide valuable advice tailored to individual circumstances.
  • Time-Saving: Brokers handle the paperwork and negotiations, saving clients time and effort.

Overall, finance brokers can simplify the borrowing process and help clients make informed decisions.

What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

What government grants are available for first-home buyers in Queensland?

As of now, eligible first-home buyers in QLD can access the First Home Owner Grant and possibly stamp duty concessions. We’ll check your eligibility and help with the paperwork.

What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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