Personal Loans
Life is full of opportunities and unexpected surprises. Whether you’re planning your dream wedding, consolidating high-interest debt, or finally taking that well-deserved holiday, a Personal Loan from Classic Loans provides the financial flexibility you need without the complex requirements of property-backed lending.
As an unsecured lending option, a personal loan allows you to access funds based on your character and financial stability, giving you the freedom to move forward on your terms.
Why Consider a Personal Loan?
Personal loans are a versatile financial tool. At Classic Loans, we help clients to secure funding for a wide variety of reasons:
- Debt Consolidation
Simplify your life by rolling multiple credit card debts or high-interest store accounts into one single, lower-interest monthly repayment.
- Home Improvements
Fund those “soft” renovations—like painting, new furniture, or landscaping—that might not require a full home loan top-up.
- Travel & Holidays
Don’t miss out on life’s experiences. Secure the funds for flights and accommodation upfront and pay it back with a structured plan.
- Special Occasions
From weddings and engagements to significant milestone celebrations, we help you manage the costs without compromising your vision.
- Construction Loans: Build from the Ground Up
Building a new home requires a specialized loan structure. Unlike a standard mortgage, a Construction Loan involves “progress draws,” where the bank pays your builder in stages (Slab, Frame, Lock-up, etc.). We manage the coordination between you, the lender, and the builder to ensure a smooth construction process.
- Self-Employed & Specialist Lending
If you run your own business, your tax returns might not tell the whole story. At Classic Loans, we are experts in Alt-Doc (Alternative Documentation) loans. We work with specialist lenders who understand business owners, allowing you to secure a home loan based on your actual cash flow and business performance.
The Classic Loans Advantage
“A personal loan should be a stepping stone, not a burden. We focus on finding a repayment structure that fits comfortably within your existing lifestyle.” — Preetinder Singh, Founder
- Fast Turnarounds
We understand that sometimes you need funds quickly. Our streamlined application process aims for rapid approvals.
- Personalized Service
We don’t just look at a credit score; we look at your whole financial picture to find the best possible deal.
- Direct Access
You’ll work directly with our expert team, ensuring clear communication throughout the process.
Why Partner with Classic Loans for Business?
Industry-Specific Knowledge
From logistics and warehousing in Clyde to boutique retail in Melbourne, we understand your sector’s unique challenges.
Council Approved Plans
Detailed blueprints and specifications.
Builder’s Insurance
Evidence of Public Liability and Domestic Building Insurance.
A Professional Valuation
Based on the "as-if-complete" value of the home.