You Don’t Need To Be Scared Of Crazy Interest Rates. Safrock Finds Reputable Lenders That Won’t Break The Bank. Find Out More Today!

Interest Rates

Browsing for personal loans doesn’t have to feel like a scene out of a horror movie.

If the words ‘interest rates’ sends a shiver down your spine, just take a deep breath!

Why not let Safrock take the fear out of finding loans online? We can find you a bunch of lenders and create you a personalised loan interest rates comparison. We only associate ourselves with lenders who comply with responsible lending practices.

This means reasonable interest rates, great service, and all fees and charges to be spelled out in plain English. When you use Safrock’s lender-finder service, you’ll be in safe hands. The best bit? It’s completely free.

So, want to find out what Safrock can do for you? Read on!

We’re The Lender Finder Experts

At Safrock we know that when the proverbial hits the fan, and you need to find cash quickly, dealing with short term lenders can be confusing.

Sometimes it can feel overwhelming. The last thing you want is to get into a tricky financial situation and be bombarded by calls from debt collectors. If you’re in a tough spot, Safrock wants to help you on the road to financial health and wellbeing.

We’re experts at finding our customers lenders who will change their perception of short term lending. We’ll show our customers that the industry isn’t all about exorbitant interest rates or predatory lending. There are lenders out there who want to provide a professional, legitimate service (and we think we know exactly who they are).

We’re locals, which means we know what kind of stresses are affecting everyday Australians. So, if you’re looking for the best interest rates Australia, we could match you with a lender that could help.

We Find Lenders Who Can Offer You A Personal Loan

Finding personal loan lenders, especially online, can be overwhelming. Half the time you’re wondering if they’re even legit, the other half is spent trying to make sense of the personal loan interest rates. Seriously, sometimes it feels like you’re trying to translate from Ancient Greek.

Now, it really doesn’t have to be like this. At Safrock, we only work with lenders who are straightforward with their interest rates and fees and charges. The interest rates for your loans will be clearly explained in the loan contract.

While we can’t tell you exactly what a lender’s personal loan interest rates will be, we can give you a rough idea over on our costs page.

At Safrock, we value transparency, and so do the lenders we work with. You can be sure your personal loan interest rates will be clearly explained to you in your loan contract.

We Can Help Find You Quick Cash

While we won’t be supplying the loans ourselves, we work with lenders who move quickly.

What’s more, our own application process is super simple and quick to fill out. Simply head on up to the top of this page and select the amount you’re looking to borrow. After that, your minutes away from being presented with some of the best interest rates available on personal loans.

To make this process even quicker, we recommend having these details handy before you start applying:

  • 100-points of identification;
  • Contact information;
  • Internet banking credentials;
  • myGov account details (if applicable);
  • Employment information (if applicable);
  • The registration, make, model, transmission, fuel type and other general information about the vehicle you’re attaching as an asset.

Can You Find Me Lenders Offering Unsecured Loans?

Just like interest rates, deeming a loan to be secured or unsecured is completely at the discretion of the lender. So, as much as we would like to give you a definitive answer, we are only a lender-finder.

What we can say, however, is that we work with lenders offering loans ranging from $2,500 and $25,000. They simply stand for Medium Amount Credit Contract and Large Amount Credit Contract.

MACCs are loans valued between $2,001 and $4,600 and are repaid over a term between 13 to 24-months. LACCs are loans valued over $5,000 and have repayment terms between 13 and 36-months.

Generally, loans like these are often secured. This means that you will need to attach an asset as security against the loan. These assets can be in the form of a car, caravan, motorbike or boat.

So, in general, the lenders we work with may be unlikely to offer these types of loans as unsecured. As we said though, it is all completely at the discretion of the lender.

What Can I Borrow Money For?

Not only do we work with lenders offering some of the best interest rates Australia, but they are all personal loans. Personal loans can be spent pretty much however you wish. Once the money is in your account it’s just like cash.

In other words, we’ll find you lenders offering awesome car loan interest rates, holiday expenses interest rates or even great rates on money for dental work. It is completely up to you how you spend it.

Can You Help With My Bad Credit?

If you’ve already got bad credit, the last thing you need is to make it worse.

How do you make it worse? Well, when lenders charge you crazy interest rates, you’re more than likely unable to afford the repayments. This can have a snowball effect. As you keep missing your repayments, your credit score is going to keep getting worse.

That’s why we work with lenders who can offer you the best interest rates possible.

Will Lenders Still Offer Me A Bad Credit Personal Loan?

We realise that people are so much more than a credit score. Just because you made a few financial mistakes in your past doesn’t mean you’re still that same person today. We work with lenders who share this philosophy and look for reasons to approve you. So, are you wondering how we are able to find you reputable lenders offering low-interest rates? Let’s tell you.

We use some pretty space-age technology that accesses a read-only copy of your bank statements. This lets us get a clearer picture of your current relationship with money. If we can see you’ve been up to date with your recent repayments, we are able to convey this on to potential lenders. See, our lenders want to help those who are trying to make a positive change in their finances.

On the security side of things, your details are encrypted as you enter them and permanently deleted once we’ve accessed your transaction history. It’s super secure and gives us more room to find you some of the best Australian interest rates.

How Much Can I Borrow?

As we said before, we find lenders offering loans with low-interest rates from $2,500 to $25,000.

With such a wide scope, we’ve left it up to our customers to choose what amount they wish to apply for. We realise that nobody knows your situation better than, well, yourself.

That’s why we take pride in our interest rates comparison system. We give you all the necessary information to compare interest rates yourself. From there, you’re able to choose which lender you want to apply with.

In saying this, we always recommend doing your homework and only applying for the exact amount you need. For example, do a little research on other car loan interest rates, and try to compare interest rates, before committing to anything.

Can You Find Low Income Loans?

We work with lenders who will assess your loan application based on its affordability and suitability. In other words, your income levels may not necessarily affect your chances of being approved for a loan. As long as it’s clear that your repayments will fit comfortably into your budget, there is every chance your loan will be accepted.

Lenders will even consider regular Centrelink payments as income. So, if your regular government benefits will easily cover your repayments, you could still be accepted.

Keep in mind that we only associate ourselves with lenders who comply with responsible lending practices. This means they’ll never approve you for a loan you’re clearly unable to afford.

Final Tips

At Safrock, we want to empower our customers. When it comes to the world of online lenders, it can be easy to be taken for a ride on your interest rates and hidden fees.

So, in an effort to give more power back to you, here are a few of our golden tips when it comes to borrowing money online:

Do Your Research:

The secret to protecting yourself when looking for personal loans: research. Jump online and search up things like ‘Australian interest rates’, and ‘current interest rates’. This will help you understand where your loan terms sit in the grand scheme of things. Knowing how personal loan interest rates compare to say, bank interest rates, helps you put it all into perspective.

Shop Around:

While we know Safrock is a super convenient and helpful service, we may not be for everyone. We recommend shopping around and seeing what other financial lenders have to offer. You may find that traditional bank interest rates and payments fit much better into your lifestyle than a short term lender. On the other hand, you may realise that you are not eligible to meet the stringent requirements of a bank loan.

Read Before You Sign:

Not properly reading your loan contract is one of the most common pitfalls when it comes to borrowing money. Without realising, you could be signing up to ridiculous interest rates, crazy hidden fees or extra charges you simply don’t need (or can afford!).

So, we can’t stress enough how important it is to give your loan contract a proper read before signing anything. Some lenders will make their contract intentionally confusion, using a heap of financial jargon, and often putting all the information in tiny font at the bottom of the page. If you don’t understand anything in your contract, get in contact with your lender directly. Have them walk you through the entire contract, so you know exactly what you’re signing up for.

Get In Contact

We are always keen to get feedback from our customers. If you’ve had an awesome experience using our service, we’d love to hear from you. If you had an absolutely awful experience using our service, please also let us know. We are always looking to improve our business model and make it easier for Australians to find lenders offering great interest rates. To get in contact with us, simply head on over to the contact us page. Shoot us an e-mail, and someone from our friendly team will get back to you as soon as possible.

If you wish to make an external complaint about Safrock, you can lodge it through The Australian Financial Complaints Authority. You can reach AFCA on 1800 931 648, or online through

So, what are you waiting for? Find great interest rates on personal loans today with Safrock. Just scroll on up and get started today!