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Consumer Secured Loans

Consumer Secured Loans Overview

Consumer secured loans empower you to buy that new vehicle and use it immediately. Just so long as your vehicle is not going to be used for business purposes. Natloans’ consumer secured loans allow you to take advantage of:

  • Freedom to make extra payments when you want to
  • Daily calculated interest

Who can benefit from Consumer Secured Loans?

Is a consumer secured loan right for you? Here is a rule of thumb to help you decide. If you are planning to use the financed asset for more than 50% personal use then yes – a consumer secured loan  is right for you.

So what if you plan to use the finance asset for more than  50% business use? Then a business loan would be a better solution for you.

One of the greatest attributes of a personal consumer loan is its flexibility. Our clients’ use a personal consumer loan to finance a variety of assets including:

  • Cars
  • Motorbikes
  • Boats
  • Caravans
  • Trailers
  • Jet skis

Consumer Secured Loan Key Features

  • $0 penalties for extra repayments
  • Interest rates are fixed for the full term of the loan
  • The title is held in your name from the commencement of the loan
  • Asset backed clients can set up a balloon or residual – a payment which is larger than your other payments and is due at the end of the loan. This facility can help to reduce interest paid on the loan.
  • Additional repayments can be made anytime during the loan
  • The secured loan can be paid out before the end of the loan contract
  • Depreciation can be claimed if used for business
  • A deposit may be required.

Consumer secured loan benefits

  • Your immediate ownership of the financed asset from the time the loan starts
  • Freedom to pay off your loan early with extra payments
  • Opportunity to claim depreciation when your financed asset is business for business
  • No upfront fees –  these can be consolidated into the loan
  • No deposit is needed – however, a deposit does help and will save you interest

Consumer secured loan interest rates

Our competitive consumer secured loan interest rates will most likely beat the banks. Get an obligation free quote to see what you qualify for.

  • Interest is calculated daily and charged monthly.
  • Interest rate is fixed throughout the term of the loan.

Consumer secured loan fees and charges

  • There’s an establishment fee and a small charge if you want a cash booklet
  • There may also be an early termination charge.

Consumer secured loan repayment schedules

Repayments can be made

  • Weekly
  • Fortnightly
  • Monthly

Click here to review our Comparison Table of Loan Products

natloans rates

  • Car Loans 4.99
    comparison rates 6.23%
  • Truck & Equip. Loans 5.1
    comparison rates 5.10%
  • Bike Loans 6.04
    comparison rates 7.30%
  • Boat Loans 5.85
    comparison rates 6.34%
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Natloans Guarantees - "Customer Comes First"

Our Response Guarantee:

We are committed to delivering tailored solutions in a timely manner! To further show our commitment, we promise to respond to your enquiry within 60 minutes during business hours (AEST) or you will receive $100 off your next loan with us.

Our Price Guarantee:

We are serious about offering you the best deal! To further show our commitment, we guarantee that if you provide a cheaper written quote, we will match or beat this!

Our Satisfaction Guarantee:

In the unlikely event that you have any cause for dissatisfaction with the service provided by Natloans during your loan experience, please call us within seven days of settlement. We will happily rectify any service problems absolutely free of charge.

Of course, we also love hearing your positive feedback. Your comments are always welcome by telephone or to our website. Remember, our goal is to make your life easier.