Personal Loans

Can Simplify Finance help you get a Personal Loan? Yes!

 

Life has a way of surprising us. Big unexpected expenses like car or home repairs or a special unplanned purchase can put a big dent in any savings account.

But what if you don’t have savings? Then consider a personal loan.

A personal loan is usually a short-term loan and can be obtained for all sorts of reasons – to pay for holidays, weddings, medical expenses, and funerals too. While most people think it’s easier just to rack up more debt on the credit card, it is a lot more costly, because credit card debt is some of the most expensive debt there is.

Rent-to-buy schemes, hire-purchase as well as ‘buy-now, pay later’ schemes can also have hidden costs so it is often a smarter financial decision to get a personal loan than to get into debt with a retailer.

Is a personal loan right for you?

While personal loans are not offered at the same low interest rate as home loans, they are much cheaper than many other forms of credit, and they’re relatively easy to obtain. In many cases you can get an unsecured personal loan quickly, particularly if you have some expert help guiding you along the way.

At Simplify Finance, located on Sydney’s Northern Beaches, we offer a service that can help you find the right loan for your individual circumstances. Not all loans are the same and it pays to shop around.  We can also help you apply for the loan, by assisting you to fill out the paperwork, and we can cut through the jargon to help you to understand the repayment structure and the terms of the loan. This saves you a lot of time and effort and it can save you lots of unnecessary debt in the long run.

Debt consolidation

If you already have a lot of different debts it can be a wise financial move to consolidate all of those individual debts into one personal loan. Why? In many cases it will actually lower your repayments, and it means that instead of having several bills to pay each month, you have only one.

Debt consolidation can be a worthwhile financial strategy if you are struggling with money that you owe. However, if this is the case, then you also need personalised financial advice to ensure that you understand how this strategy can get you out of debt faster and can be used in conjunction with a savings plan so you can avoid getting into debt again in the future.

Want to apply for a personal loan?

If you’re ready to apply for a personal loan, talk to us. We have access to a wide range of lending options, including from your existing bank too. Let us help you fast-track the process so you can get the money you need and get on with enjoying your life.