Personal Loans | Three Plus Me Finance

Personal Loans That Work For You

Whether you need to consolidate credit card debt, cover unexpected bills, fund a renovation, or handle an unexpected emergency, a personal loan can give you access to the funds you need without the wait. At Three Plus Me Finance, we work with a broad panel of banks and lenders across Australia to find personal loan options that suit your situation, your income, and your goals.

What Is a Personal Loan?

A personal loan is a lump sum of money you borrow from a lender and repay over an agreed loan term, usually between one and seven years. You can use the funds for almost any purpose, including a wedding loan, a holiday loan, a renovation loan, a medical loan, or even an emergency loan when you need cash urgently. Repayments are made on a schedule that suits you, whether that is weekly repayments, fortnightly repayments, or monthly repayments.

Personal loans come in two main forms. A secured personal loan is backed by an asset, which can result in a lower personal loan interest rate. An unsecured personal loan does not require security, making it a popular choice for those who do not have an asset to offer. You may also choose between a fixed rate personal loan, where your interest rate stays the same throughout the loan term, and a variable rate personal loan, where the rate can move up or down over time.

How Three Plus Me Finance Can Help

Applying for a personal loan through a broker like Three Plus Me Finance means you are not limited to a single lender or a single set of terms. We access personal loan options from banks and lenders across Australia, comparing personal loan interest rates, loan amounts, loan durations, personal loan fees, and repayment structures on your behalf. This means you get a clearer picture of what is available before you commit to anything.

We work with business owners, PAYG professionals, nurses, tradespeople, contractors, and individuals who need financial relief for medical or personal reasons. Whether you are looking to refinance an existing personal loan, consolidate debt, or fund something important in your life, Three Plus Me Finance takes the time to understand your circumstances before recommending any path forward.

Understanding Personal Loan Costs

Before you apply, it is worth understanding the costs involved. A personal loan application typically comes with an establishment fee, which is a one-off charge when the loan is set up. Some lenders also charge a monthly fee throughout the life of the loan, and there may be an early exit fee if you pay the loan off ahead of schedule. The personal loan interest rate you receive will depend on your personal loan eligibility, the loan amount, whether the loan is secured or unsecured, and the lender's own criteria.

Three Plus Me Finance helps you compare personal loans side by side so you understand exactly what you are agreeing to. We look at the full cost of each option, not just the headline interest rate, so you can make an informed decision about your borrowing limit and repayment frequency.

Who Can Apply?

Personal loan requirements vary between lenders, but most will look at your income, employment status, credit history, and existing debts. Personal loan eligibility is assessed on a case-by-case basis. Three Plus Me Finance works with a wide range of clients, including those who are self-employed or have a more complex income structure, to find lenders whose criteria align with your profile.

If you are considering a personal loan pre-approval before committing to a purchase or procedure, we can help you understand what that process involves and which lenders offer it. Pre-approval gives you a clearer picture of your borrowing capacity before you move forward.

For those dealing with medical expenses, Three Plus Me Finance has experience working alongside medical providers and individuals who need a medical loan to cover surgery or treatment costs. We also assist clients who want to improve credit by consolidating existing debts into a single, manageable repayment.

If you are also exploring business loans or asset finance alongside your personal borrowing needs, Three Plus Me Finance can look at your full financial picture and help you structure your borrowing in a way that makes sense across the board.

Our Simple Process

1. Get In Touch
Reach out by phone, email or through our website. We'll have a quick, no-obligation chat about what you're looking to achieve, whether that's financing a truck for your fleet, upgrading plant and machinery, purchasing a boat or aircraft, or sorting out a personal loan or car finance. This initial conversation helps us understand your situation and point you in the right direction from the start.

2. Tell Us Your Story
Every client is different and we want to understand your unique circumstances. We'll ask about your business, income, current commitments and what you're hoping to finance. No judgment, just honest conversation. Whether you're a business owner looking at cashflow solutions, a tradie needing new equipment, or an individual refinancing a car loan, the more we know, the better we can tailor a solution that actually fits your life and cash flow.

3. Review Your Options
Once we understand your needs, we'll search our panel of lenders to find the right match. We work with banks, non-bank lenders and specialist finance providers, including those experienced in asset finance, maritime loans, aviation finance and niche vehicle lending, to give you real choice. We'll explain the options available, including interest rates, loan terms and repayment structures, in plain English. No confusing jargon.

4. Choose Your Solution
We'll present our recommended finance options and walk you through the pros and cons of each. You're in control. We're here to guide, not pressure. Whether you're comparing equipment finance structures, weighing up vehicle loan terms or looking at refinancing options, once you've decided what works, we move forward. Questions at any stage? We're a phone call away.

5. Lodge Your Application
We handle all the paperwork and submit your application to the lender. Whether you're running a business, managing a fleet or working full-time, we take care of the admin so you don't have to. We'll tell you exactly what documents we need and help you gather everything efficiently. Our job is to make this process as smooth as possible.

6. Manage The Process
Once your application is lodged, we stay on top of it. We liaise with the lender, answer their questions and keep you updated every step of the way. If additional information is needed, we'll let you know quickly and help you provide it. From asset finance approvals to personal loan settlements, we're your advocate throughout.

7. Settlement And Beyond
When your finance is approved, we coordinate settlement and make sure the funds get where they need to go. But our relationship doesn't end there. As your business grows, your fleet expands, or your personal circumstances change, we're here for ongoing support, whether that's restructuring, refinancing or arranging additional funding. One call. That's all it takes.

Client Testimonials

Jo Weldon

Kimberley helped us out with a loan for a used vehicle. She secured a better loan rate than we were offered by the car yard. Everything was so quick & easy, all our documents were sent by email. No question was a bother, kept us informed all the way. Have recommended her to all our friends! Will definitely use Kimberley for our next vehicle. If I could give more than 5 stars I would!

Juliet

I am so grateful to have been connected to the beautiful Kimberley. She is so amazing to work with, nothing is ever hard for her and she does it with such grace and great transparency. She has helped me with the purchase of my new car which I thought would be impossible but she worked her magic and I got approved. If excellence was a person it would be Kimberley! Love your work Kimberley, and I would 10000000% recommend her to everyone. Bless! 🧡

Monaco Landscapes

Kim is an exceptional broker who makes the entire process effortless. Nothing is ever too difficult for her, and she consistently finds solutions where others see obstacles. Unlike many brokers who rely solely on spreadsheets and numbers, Kim takes a holistic approach, considering the bigger picture to deliver the best outcomes. My business has grown exponentially, and much of that success is thanks to Kim’s expertise, dedication, and strategic guidance. I couldn’t recommend her highly enough.

Our Panel of Lenders

Got Questions?

What types of finance can Three Plus Me Finance help with?

We assist with a broad range of business, commercial, asset & equipment and consumer finance solutions. Whether you're looking to improve cash flow, grow your business, purchase vehicles or equipment, refinance existing commitments or fund a personal purchase, we'll help you explore the options available.

Why use Three Plus Me Finance instead of going directly to a bank?

Rather than being limited to the products and lending criteria of one institution, we have access to a broad panel of lenders. We take the time to understand what you're looking to achieve, explore suitable options and manage the finance process from enquiry through to settlement.

Can you help me find the right finance for my business?

Yes. Every business is different. We look at your business, funding requirements and objectives to help identify finance options suited to your circumstances — whether that's working capital, expansion, refinancing, commercial funding or finance for vehicles and equipment.

Can you refinance or restructure existing finance?

Yes. We can review eligible existing business, commercial and asset finance and explore refinancing or restructuring options that may better support your cash flow, current circumstances and future plans.

What if my circumstances or credit history aren't straightforward?

Yes. We can assist with reviewing your credit file and exploring rectification where information may be incorrect, outdated or eligible to be disputed. Where appropriate, we can also help you understand the steps available before applying for finance.

How quickly can finance be arranged?

Timeframes depend on the type of finance, lender and complexity of the application. Some straightforward applications can move quickly, while larger business and commercial transactions may require additional assessment. We'll keep you informed throughout the process and work to keep things moving.