Personal Loans.
You know what you need the money for. You just don't want to pay more for it than you have to. Co-Pilot Finance & Insurance compares personal loans across 60+ lenders - secured and unsecured - to find the right rate and structure for your situation, whether you're consolidating debt, funding a renovation, or covering a major expense.
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Won't affect your credit score.
What can we help you with?
What We Can Help With
Personal loans for any purpose - what Australian borrowers use them for
Whether you're consolidating debt, funding a renovation, or covering a major life event, Co-Pilot compares personal loan options across 60+ lenders to find the right fit for your situation.
Debt Consolidation
Combine multiple high-interest debts into a single personal loan with one manageable repayment. Co-Pilot compares rates across 60+ lenders to reduce your overall interest burden.
Home Renovation
Finance your next home improvement project - from a kitchen upgrade to a full renovation - without drawing on your home equity. Flexible terms and competitive rates available.
Medical Expenses
Cover planned or unexpected medical costs, dental work, or elective procedures with a structured personal loan that lets you spread repayments over a manageable term.
Weddings & Events
Bring your dream day to life without financial stress. A personal loan lets you cover venue, catering, and all the details upfront, with repayments spread across your chosen term.
Holidays & Travel
Finance your next adventure - whether it's a family holiday or a once-in-a-lifetime trip - and repay it over a term that suits your budget when you return.
Education Costs
Invest in your future with a personal loan for tuition, course fees, study materials, or living expenses while you study. Co-Pilot finds the right structure for your situation.
Run The Numbers
Calculate your personal loan repayments
Enter your loan details
Estimated monthly repayment
$652.27
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Common Loan Uses
What can you finance with a personal loan - eligible assets and purchases
Personal loans are flexible by design. Beyond the loan purpose categories above, they can also be used to finance a wide range of assets and purchases.
Eligibility
Personal loan eligibility - what lenders in Australia look for
Most Australians with a stable income and reasonable credit history can access a personal loan. Co-Pilot works across a broad range of borrower profiles.
Age & Residency
Must be 18 years or older and an Australian resident or citizen.
Stable Income
Regular employment or a verifiable, consistent income source to service the loan.
Good Credit History
A positive credit record is preferred - though Co-Pilot works across a broad range of credit profiles.
Repayment Capacity
Demonstrated ability to meet repayments relative to your income and existing financial commitments.
Why Co-Pilot
Why Co-Pilot for personal loans - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any bank - so the loan we recommend is the one that suits your situation, not the one that earns us the most.
Lender relationships that open doors
With 60+ lenders on our panel - banks, non-bank lenders, and specialists - we find options and rates that aren't on comparison sites or available direct.
Honest advice on secured vs. unsecured
Secured loans are cheaper but put your asset at risk. Unsecured loans cost more but offer flexibility. We explain the trade-offs so you choose the right structure.
Clear communication, no surprises
You'll know where your application stands at every step. We answer questions quickly and keep you updated from first enquiry through to settlement.
Personal loans - how it works
Tell us what you need. We find the loan that fits.
We assess your situation, run it across 60+ lenders, and come back to you with the options that actually work - the right rate, the right term, secured or unsecured depending on what makes sense for you.
No application until you're ready. No impact to your credit score at the comparison stage. Most approvals within 24-48 hours once you proceed.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Personal Loans
Have a purpose and a number in mind?
Let's find your loan.
Tell us what you need and your situation. We compare 60+ lenders and find the rate and structure that actually fits.