We offer personal loans to approved clients up to $10,000 with flexible terms of up to five years, stay in control with a fixed interest rate and know exactly how much your repayments will be for the life of the loan, with the flexibility to make additional payments at any time.
Our personal lending is designed to give your life’s ambitions a clear direction with the best financial solution to make it happen.
Personal finance allows you to start now, not later, through a well-managed repayment program, specifically aimed to alleviate any financial stress.
All loans are not created equal, Coogans Personal Loans are a great option with lots of flexibility.
We don’t discriminate against personal circumstance or age, we are happy to consider finance for customers that are self-employed, on a government payment, studying or with no previous credit history.
Minimum age of applicant : 18 years, after that, we don’t mind how old you are!
As long are you are receiving demonstratable income we are happy to consider your application providing you can afford it.
Although we look at your credit rating, we take a number of other factors into consideration to be able to offer you the best financial solution.
$2000 Loan over 24 months you would pay $109 per month or $24 per week.
*This example is based on a 16% interest secured loan over 24 months and only relevant to the example given, other fees and charges may apply.
$5000 loan over 60 months you would pay $132 per month or $30 per week.
*This example is based on a 18% interest loan over 60 months and only relevant to the example given, other fees and charges may apply
That will depend on the finance product offered, some of our personal loans include a $5 monthly account keeping fee.
The interest is charged at the start of the loan. You will know exactly how much you are going to pay over the term of the loan. The interest is calculated on the reducing balance, not the total amount of your loan.
Example: $1,000 loan over 12 months at 20% interest, total interest payable will be $112. Monthly payment for this loan will be $93 per month.
*This example is for comparison only. Fees, interest and terms are calculated on credit assessment and dependent on personal circumstances.
Yes of course you can, we treat everyone as individuals regardless of your income type.
You can pay by either BPAY, bank transfer, over the phone with a card, come into a Coogans branch or we can set up a direct debit for you.
We are always here to help, and we understand that sometimes circumstances change, please let us know if your payment will be late to avoid a late fee.
