Secured Loans Or Unsecured Loans? Which Is Best? There are only a few cases where this discussion needs to be made by you. Most often the lender, based on your … continue
At Houston Finance - It's ALL About You
Houston Finance are a team of Adelaide based finance brokers with over 25 years experience helping people with finance, insurance and warranty products. We listen, we care and because of the strong relationships we have with lenders and insurance companies, we succeed more often; helping South Australian's realise their dreams.
Whether you're after a $10,000 personal loan to buy a used car, or $100,000 to finance equipment for your business, we have access to lenders who are wanting to say yes - Even if you have a bad credit history.
Houston Finance Offers 2 Ways You Can Apply For Finance.
The fastest way to get an answer for finance is to complete our easy application form online.
The easy way to apply for finance is to call us. Your application will be completed over the phone.
Online - Yeah you have to do some work, but your application will be fast tracked, so you get an answer FAST.
Over the phone - By requesting a call back from us. Just leave some details, we'll check your credit then call you back, at a time that suits you.
Houston Finance Are Mobile Lenders - We Come To You
Once your loan has been approved, we come to you to sign the loan contract and to sight the originals of all supporting documents.
Car Loans Can Either Be...
Secured Personal Loans
Secured personal loans are where the lender takes security over the item you are wanting the money for. Car loans are often secured personal loans; a mortgage is taken over the car while you are making the repayments.
The interest rate for secured personal loans is generally lower than with unsecured loans due to the increased security.
Applicants do not need to be as strong, compared to unsecured applications, with some past credit hiccups overlooked.
Unsecured Personal Loans
Unsecured personal loans are approved to stronger applications with nothing taken as security. Typically the money is not for a tangable item; holidays and renovations are examples of applying for unsecured personal loans.
Interest rates on unsecured loans are generally higher than secured loans because there is a greater risk to the lender.
Applicants do have to be stronger than those applying for secured loans; with good savings and credit history important.
Personal Loan Purposes
Houston Finance Organise Personal Loans for Any Worthwhile Purpose.
Personal secured and unsecured loans can be approved for any worthwhile purpose, if you meet the lenders lending criteria.
Here are just a few examples of the most popular personal loans Adelaide residents apply for.
Select your personal loan type from the lists below to get started.
Frequently Asked Questions
What will the Interest Rate be?
As finance brokers we put forward loan applications to lenders on behalf of our customers. We do not set the interest rate, the lender will once they approve the loan.
Do I Qualify For A Loan?
Every lender looks at a loan application differently, but all follow the 6 'C' lending criteria, they'll just give more or less weight to the different criteria.
I'm Unemployed! Can You Help?
Unfortunately not. Newstart benefits are not enough to meet 'capacity' guidelines of lenders on our panel.
What Supporting Documentation Is Required?
There are some documents every lender will require, some will depend on the type of loan & your unique situation. You will speed up your approval.
What If I have Bad Credit?
Depending on your past bad credit history, there are lenders who don't put as much enphasis on the past as they do on your ability to repay the loan.
I'm On A Pension! Can I Apply For Finance?
People on aged pensions, disability pensions and veteran affairs pension can apply for finance.
Finance Tips & Information
Read the latest finance tips and information relating to finance, loans and insurance in Adelaide.
New Car Applications Are A Better Risk To Lenders. Lenders, particularly banks advertise car loans with low interest rates. You don't often see low interest … continue