Personal Finance

CAR – BOAT – BIKE – CARAVAN – MEDICAL – HOLIDAY – EDUCATION 

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Secured Loans

A secured loan gives you a range of options that can be tailored to meet your needs.

Repayments in most cases can be made weekly, fortnightly or monthly with the loan term being as short as 12 months to as long as 7 years. There also may be the option to have a balloon (residual payment) or own it outright at the end of the term, giving you the flexibility of a larger borrowing amount for a smaller repayment.

Personal loans

A personal loan is best suited to employees or those earning a PAYG income. 

Also known as a consumer loan, you’ll borrow the money from the lender who will hold security over your purchase. This can be an advantage to you as you’ll often get a much lower interest rate than an unsecured personal loan. We will help you secure the best finance for either a secured or unsecured loan product no matter what type of car you are buying.

Car Loans

Are you needing a new car or replacing an existing vehicle under finance? Have the banks said NO?

Talk to one of our car loan experts today about the benefits of a no-doc loan and how Valor can help to get you get pre-approved fast – with the minimum level of fuss. We can help even if your business:

  • Does Not Have Tax Returns
  • Don’t Have A Deposit
  • No Previous Business Lending Or Business Car Loan History
  • Buying The Vehicle Privately Or From A Dealer

You can also find our mortgage brokers in Melbourne, Sydney, and Brisbane.

Contact us for a no obligation free consultation.

*The discounted rate (currently 1.89% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 2 Year Fixed Rate (currently 2.34% p.a.) and only applicable while the loan remains in the Home Package Plus. At expiry of the 2 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 4.98% p.a.) less the Home Package Plus discount (currently 2.34% p.a.). LVR means Loan to Value Ratio, stated above & inclusive of Lenders Mortgage Insurance (LMI). The Standard 2 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application.