Personal Loans & Consumer Finance
Whether it's a personal loan, car finance or other consumer credit, Aqua Money compares lenders to find finance that fits your circumstances. Perth-based, serving clients across Australia.
What is consumer finance?
Consumer finance is personal borrowing for individuals — things like personal loans and car finance — as opposed to business or commercial lending. As a broker, we compare options across lenders to find one suited to your needs.
We take the time to understand your circumstances and compare a range of lenders, so you can make an informed choice with straightforward advice along the way.
What we can help with
Personal loans
Car and vehicle finance
Debt consolidation
Consumer credit
Guidance on lender requirements
How the process works
Free consultation
We talk through what you need to finance and what matters most to you — rate, term or flexibility.
Lender comparison
We compare our panel to find consumer finance options suited to your circumstances.
Application and approval
We help prepare the application and guide you through to a decision.
Settlement and beyond
We see it through to funding, and remain available for any future finance needs.
Common questions about consumer finance
What is consumer finance?
Consumer finance covers personal borrowing for individuals, such as personal loans and car finance. It is used for personal purposes rather than business, and terms depend on your circumstances and the lender's assessment.
Can you help me finance a car?
Yes. Car finance is one of the most common types of consumer finance we arrange, for both new and used vehicles. We compare lenders to find a suitable structure and rate for your situation.
What can a personal loan be used for?
Personal loans can be used for a range of purposes, such as consolidating debt, funding a major purchase, or covering a planned expense. The right option depends on the amount, term and your circumstances.
Will applying affect my credit score?
Loan applications can be recorded on your credit file, and multiple applications in a short time can have an effect. Part of our role is helping you approach suitable lenders rather than applying broadly, which is worth discussing before you apply.
Can you help if my situation is a little unusual?
We compare a range of lenders with different criteria, so we can often find options for circumstances that do not fit a single lender's standard profile. The best approach is to talk through your situation with us.
Is Aqua Money licensed to arrange consumer finance?
Yes. Aqua Money is Australian Credit Representative 575935 of Australian Credit Licence 384704, regulated by ASIC, and helps clients across Australia.
Explore your options
A free consultation, no obligation. Tell us what you need and we'll compare the options that fit your circumstances.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not financial product advice. Aqua Money — ABN 32 693 892 134 — Australian Credit Representative 575935 of Australian Credit Licence 384704.
What would the repayments be?
Indicative estimate for car and personal loans.
Indicative market rate — type your own to model a quote.
Indicative monthly repayment
$586
$7,036 per year
A balloon lowers the monthly payment because this amount is deferred, not paid off. It falls due as a lump sum at the end of the term.
Your top 3 lender matches
privateRanked to your circumstances. Specific lenders and rates are revealed when we speak.
Match 1
Sharpest rate
Lowest ongoing rate for your profile
Match 2
Most flexible
Early payout, extra repayments
Match 3
Easier approval
More forgiving serviceability
See if you're eligible for conditional pre-approval
Six quick questions — no credit check, no impact on your score.
1 · Purpose
2 · Employment
3 · Credit history
4 · Existing commitments
5 · Deposit
6 · Timeline
0 of 6 answered — your result appears here.
Indicative only — not a quote, credit assistance, or a recommendation, and not a pre-approval or credit decision. Comparison rate is calculated on a $30,000 loan over 5 years and assumes an establishment fee of $250 and monthly fees of $10; it is true only for that example and different amounts or terms will produce different comparison rates. Rates are derived from the published RBA cash rate and are updated daily; the actual rate available to you depends on your circumstances and the lender.