Personal Loans in Townsville

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Personal Loans for Life's Adventures

Whether you’re planning a holiday, buying a new car, renovating your home or dealing with unexpected expenses, we at One Lane Finance are here to help Townsville residents connect with the right lenders and personal loans so your next adventure is within reach.


We also understand that managing multiple debts can be overwhelming, especially in times of financial uncertainty. We can help you find refinancing and consolidation solutions to simplify your finances, find savings in interest rates and make your financial situation healthier and more manageable.


Reach out today on 0431 166 544 to explore your options and find the best loan solutions for your needs. Let’s work together towards your goals today.



Ready to take the next step on your Financial Journey?


  1. Book a commitment free consult to understand your options
  2. Get your personalised recommendations
  3. Apply and get secure finance

I’ll be there every step of the way

Holiday Loans

Make your dream getaway a reality with flexible holiday loans designed to suit your budget. Plan your perfect getaway with flexible loan options designed to make your dream holiday a reality without straining your budget. Whether it’s a relaxing retreat or an adventure abroad, we help you secure the funds to create lasting memories without financial stress.

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Renovation Loans

Turn your house into the home you’ve always wanted with renovation loans tailored to your plans. Transform your property with tailored renovation loans, helping you upgrade, repair or enhance your home’s comfort and value. Whether you’re upgrading the kitchen, adding a new room or tackling repairs, we connect you with options that make your vision achievable.

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Debt Consolidation

Ease your finances with debt consolidation loans, combining multiple repayments into one manageable solution. Reduce interest rates, streamline payments and take back control of your financial health with options designed to ease the burden. Simplify your finances by consolidating multiple debts into one manageable repayment, making it easier to regain control of your budget.

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Dealing with unexpected expenses

Life’s surprises shouldn’t derail your plans. Unexpected expenses, from medical bills to urgent repairs, are manageable with loans designed for quick access to funds when you need them most. Let us help you through the unexpected. Navigate unforeseen financial challenges with loan solutions that provide quick access to funds when you need them most.

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Frequently Asked Questions

  • What can personal loans be used for?

    Personal loans are versatile and can be used for a range of purposes. Common uses include funding holidays, home renovations, weddings or consolidating multiple debts into a single repayment. 


    They can also cover unexpected expenses, such as medical bills or urgent repairs. Some lenders may restrict loans for specific purposes, so it’s important to clarify the terms before applying. Keep in mind that borrowing should align with your ability to repay comfortably within the agreed timeframe.


    Get in touch with us today if you need any assistance—One Lane Financial is here to help.

  • How is the interest rate determined for a personal loan?

    The interest rate on a personal loan depends on factors like your credit score, income, employment history and the lender’s policies. Borrowers with strong credit histories and stable incomes typically receive lower rates. 


    The type of loan—secured or unsecured—also affects the rate. Secured loans, backed by collateral such as a car, often have lower rates than unsecured loans, which rely solely on your financial profile. Comparing offers from different lenders can help you find the best rate for your needs. 


    One Lane Financial is here to help you compare the different lenders—get in touch today. 


  • Can I pay off a personal loan early?

    Yes, many personal loans allow early repayment, but some come with early repayment fees or penalties. These fees compensate lenders for the interest they would have earned over the loan term. 


    If you’re considering early repayment, check the loan agreement for specific terms and conditions. Paying off a loan early can save money on interest, but weigh any potential penalties to ensure it’s financially beneficial.


    Get in touch with us today for more tailored information on early repayments. 

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