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Personal Loans

Access fast, competitive personal loans from $5K to $100K—whether for debt consolidation, home renovations, or major purchases

Commercial Loan

Convergence Finance Personal Loans

Why Choose Convergence Finance for Personal Loans?

Low Rates from 5.99% p.a.

Better than major bank offering loan rates

Fast Approval

Funds in as little as 24 hours approval 

Bad Credit Considered

Specialist lenders available to consider bad credit limits

Personal Loans

Debt Consolidation Loans

Simplify multiple debts into one manageable payment

  • Lower Interest Rates : Save up to 50% on repayments
  • Fixed Terms : 1–7 years
  • No Early Exit Fees : Pay off sooner without penalties
+61 390 524 040
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Personal Loans

Home Improvement Loans

Renovate, repair, or upgrade your home

  • Unsecured Loans up to $100K : No property collateral needed
  • Green Energy Upgrades : Finance solar panels or insulation
  • Fast Approval : Start renovations sooner
+61 390 524 040
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Personal Loans

Car & Vehicle Loans

Finance new, used, or luxury cars

  • Competitive Rates : From 4.99% p.a.
  • Pre-Approval Available : Shop with confidence
  • Fast Sale : Private Sale & Dealer Finance
+61 390 524 040
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Personal Loans

Wedding & Event Loans

Cover big life moments without draining savings.

  • Loans up to $50K : For weddings, holidays, or medical bills
  • Flexible Repayments : Align with your budget
+61 390 524 040
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Personal Loans

How It Works

Quick
Application

Quick Application

Online or phone call (5 mins)

Instant
Quotes

Instant Quotes

Compare offers side-by-side

Fast
Payout

Fast Payout

Funds transferred in 24–48 hours

Start Your Application
Personal Loans

Key Features of Our Personal Loans

Unsecured loans process faster but secured loans (using assets) offer lower rates.

FAQ

Common Questions Answered Fast

Find quick answers to common queries below. Can’t see your question? Contact our team for personalized advice.

What can I use a personal loan for?

Personal loans can be used for a wide range of purposes including debt consolidation, medical expenses, home renovations, weddings, holidays, or major purchases.

The amount you can borrow typically ranges from $5,000 to $75,000, depending on your income, credit history, and financial situation.

Personal loans can be either secured or unsecured. Unsecured loans don’t require any collateral but may have slightly higher interest rates.

Once approved, funds from a personal loan can usually be transferred to your bank account within 1 to 3 business days.

A single loan enquiry may have a small temporary impact on your credit score. However, multiple applications in a short time can negatively affect your score.

Testimonial

What Our Clients Say About Us

Don’t just take our word for it—hear from satisfied clients who’ve transformed their financial futures with our tailored solutions and expert guidance.

Contact Our Team

Let’s Get In Touch

For immediate assistance, call our team. If you are prefer written communication? Reach out us via email.

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+61 390 524 040
Request a Free Consultation
Call Now