Personal Loans

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Personal Loan Calculator

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Secured vs Unsecured Personal Loans — What’s the Difference?

When applying for a personal loan, it’s important to understand whether a secured or unsecured loan is right for you. At MitchMarket Finance, we make the differences easy to understand—so you can make confident choices with your money.

What is a Secured Personal Loan?

A secured personal loan is backed by an asset—like a car, boat, or motorbike—that you already own or are purchasing with the loan. This asset acts as “security” for the lender, which can result in:

If you’re planning to buy a high-value item, a secured loan can be a smart, flexible way to finance it.

What is an Unsecured Personal Loan?

An unsecured personal loan doesn’t require any asset as security. Instead, the lender will assess your application based on your income, credit score, and overall financial position. This option offers:

Because there’s no asset involved, interest rates may be slightly higher, but it’s a great option for people with strong credit and steady income.

Why You Would Need a Personal Loan

Medical bills, urgent repairs, or life’s curveballs—personal loans offer a safety net when the unexpected hits.

Simplify your finances by rolling multiple debts into one manageable repayment with a potentially lower interest rate.

Renovating the kitchen, upgrading the bathroom, or refreshing your outdoor space? Personal loans help bring your home vision to life—without draining your savings.

From weddings to overseas holidays, personal loans provide the freedom to plan big milestones without the financial stress.

Need a reliable set of wheels? Personal loans can be used to purchase a car, motorcycle, or even an e-bike.

Invest in courses, certifications, or training programs to boost your future earning potential.

Which one is right for you?

It depends on your goals. If you’re buying something valuable or want lower rates, a secured loan might suit you. If you want more flexibility and speed without tying an asset to the loan, an unsecured loan could be the way to go.

Let’s Chat

Not sure which option fits your lifestyle? Speak with one of our Retail Finance Specialists today and let us tailor a loan that works for your plans.

Why Australians Turn to MitchMarket Finance for Personal Loans

MitchMarket finance gives you access to funds when you need them most—helping you manage expenses, plan ahead, or make life’s big moments more affordable.

Need funds for a big purchase, unexpected expense, or life milestone? MitchMarket Finance offers personal loans designed to give you flexibility and control. Whether you’re consolidating debt, covering medical bills, or planning a wedding, our low-rate personal loans are built around your goals. With fast approvals, easy online applications, and no hidden fees, we make it simple to access the funds you need—when you need them most. Personalised solutions. Transparent terms. Real-life support.

Get a quick decision and access funds sooner—so you can handle life’s expenses without delay.

Choose repayment terms that fit your budget and lifestyle, with options to keep things manageable and stress-free.