Find the Loan You’ve Been Looking For – With Safrock!

Looking for a loan?

Confused by the multitude of lenders on the market? We get it. At Safrock, we’re here to make finding a personal loan simple and stress-free. Safrock is the lender finder more Aussies trust. We’ll do our best to match you with a compatible lender so you get the cash you need without the extended waiting periods. At Safrock, we’re shaking up the lender finding game. 


What is a personal loan?

Let’s start with the basics. If you’re not sure what a personal loan actually is then let us fill you in. A personal loan is money borrowed from a bank, credit union or online lender that is repaid over a set amount of time. A personal loan will, in most cases, will have interest attached that is payable on top of the loan. The rate of interest your loan attracts will depend on a number of different circumstances, including the amount of money borrowed and the lender. 

What is a lender finder?

Don’t know what we mean by lender finder? A lender finder is essentially just the middle-man between you and your perfect personal loan. We do the hunting for you. When you apply with Safrock’s lender finding service we’ll do our best to match you with a lender based on your preferences and circumstances. If the Safrock team has successfully paired you with a compatible lender we’ll put you in touch with them. If we haven’t been able to find you a lender this time around, the Safrock team will let you know as soon as possible. Our team believes in honesty and transparency – we’ll be honest and upfront. 

Safrock: Who are we?

At Safrock, we’re proud to be an Aussie lender finder making it easier for you to find a personal loan that suits your individual financial circumstances. We understand that not many borrowers don’t have time to sift through pages and pages of google search results looking for their ideal lender. Let our team do the leg work for you. We’ll submit your application to a variety of different lenders and get back to you as soon as possible with an outcome. We’ll show you a list of compatible lenders then the choice is yours. No obligations, no fuss – just simple, straightforward lender finding. 

100% online 

Don’t have time to print out mountains of paperwork and wait in lengthy queues? Who does!  You’ve come to the right place. When you apply with Safrock, our entire process is 100% online. That means you won’t even need to leave the comfort of your own living room to find a potential lender. Our 100% online application form can be completed in just a few short minutes. Keep in mind that if you submit your application during AEST business hours and we’re able to match you with a lender, you could get an outcome on your application in no time! We work quickly so you get the cash you need when you need it!  

What type of loan can I apply for?

Good questions! You might be surprised. Safrock looks for loans to cover a wide variety of expenses. Here’s just a few:

Holiday loans 

That’s right, Safrock could match you with the perfect loan to cover your next holiday. Whether you’re taking the family to the beach or heading on a solo trip around the world, Safrock could have the lender for the job. When you submit a holiday loan application we’ll match you with a compatible lender so you have the best chance of approval. So, what are you waiting for? The holiday of your dreams could be just a click away. 

Debt consolidation loans 

Need to consolidate some debt? Debt consolidation can be a great way to condense your existing debt into one easy repayment and reduce stress and clutter in your life. At Safrock, we’ve already matched lots of happy Aussie borrowers with debt consolidation loans. The best part is you won’t even need to leave the comfort of your own home to complete an application. Safrock’s 100% online application form could be completed in just a few short minutes. Why not scroll up and get started on your application?

Medical loans 

The last thing you want to worry about when you’re unwell is money. If you’ve come across a medical emergency at the most inopportune financial time then you could call on the team at Safrock. We’ll do our best to match you with the perfect lender to suit your individual financial situation. Our team will work hard to match you with a compatible lender. We don’t believe in long waiting periods. If our team has found you a compatible lender we’ll let you know straight away. We know that when Aussies need fast cash there is no time for long-winded paper forms. Safrock’s entire application process can be done from your laptop or smartphone anytime you like!

Home-improvement loans 

Thinking of doing a little work around the house? Maybe a pipe has burst and you need an emergency plumber? Whatever the reason, Safrock is here to help you find the lender for the job. We’ve already matched lots of happy customers with the perfect home-improvement loan and we’re ready to assist you. Not sure if you’ll qualify? No stress. An application with Safrock is completely cost free. If we aren’t able to match you with a compatible lender you won’t be asked to pay a cent. So, why not turn those dreams into a reality? You could scroll up and apply with Safrock right now.

Who is eligible?

Wondering who’s eligible to apply with Safrock? The good news is, we like to keep our application simple and straight-forward. We will, however, need you to meet a few simple eligibility criteria:

  • You must be an Australian Citizen or Permanent Resident;
  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90-days into a bank account that is your own;
  • All applicants must have an active mobile phone number and email address;
  • You must have internet banking set up and ready to be used.

Will I need to submit paper documents?

No! When you apply with Safrock we won’t ask you to submit any paper forms. All required documentation can be submitted 100% online. That being said, here is what we recommend you have handy: 

  • Personal details like your online banking & employment info;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details.

Will my lender do an employment check?

At Safrock, we’re a lender finder and can not speak on behalf of a potential lender. It is important to keep in mind, however, that most lenders do conduct employment checks during their loan assessment process. This is usually a routine check that allows the lender to clarify a few important details. If you have further questions regarding employment checks we encourage you to get in touch with your lender.

Why might my lender need my online banking details?

A lender might ask you to provide your online banking details so they can access read-only copies of your bank statements. It’s nothing to stress about though. Lenders often use bank statements as a way of assessing your spending habits, income and regular transactions. Many lenders take a closer look at these things to determine whether or not you will have the means of repaying a loan. Keep in mind that your lender should use bank-level encryption to make sure none of your personal details or passwords are visible. The Safrock team recommend you get in touch with your individual lender if you have further questions regarding online banking details. 

What if I have a bad credit score?

Worried that your credit score could stand in the way of approval on a personal loan? At Safrock, we could match you with a lender that could approve you for a bad credit loan. Although the Safrock team can not guarantee approval for any applicant, we can guarantee we will do our best to match you with a compatible lender. 

A potential lender could take a look at where you are currently at with your finances. If they can see you have made a considerable effort to reconcile bad credit, you could still be eligible for a personal loan. If you’re unsure as to whether or not you could qualify for a loan we recommend you go ahead and apply. The application itself is completely cost free and you could have an outcome in just 60 minutes when you apply during business hours.

Secured vs. unsecured loans 

Don’t know the difference between a secured and unsecured loan? Let us explain. Before applying for a loan, it is important to consider your options. If you’re looking for a larger amount of cash then you’ll probably need to apply for a secured loan. Keep in mind that most lenders will ask you to submit collateral as security against the loan. What is collateral? Collateral is basically like insurance that you will make the repayments on your loan. In many cases, if you fail to repay your loan, your lender will be able to take possession of your collateral. 

On the other hand, if you are looking for a smaller amount of cash, an unsecured loan might be right for you. An unsecured loan does not require collateral as security. Keep in mind, however, that unsecured loans have been associated with higher interest rates. It is important to consider your individual financial situation before making a decision. 

How do I apply?

Don’t worry, submitting an application is simple and stress-free. Here’s how you could get started today. 

Apply online 

Head to the top of the page and use the loan calculator to enter your desired loan amount and repayment period. You’ll then be prompted to fill out Safrock’s 100% online application form. This could only take you a few minutes!

We match you with a lender

Once the Safrock team receives your application, we’ll start looking for a lender. If the Safrock team has found a compatible lender, we’ll let you know straight away. In most cases this only takes a few minutes. 

Sign your agreement 

If we’ve been able to locate you a compatible lender, the Safrock team will put you in touch. In most cases, your new lender will then assess your application and give you a speedy outcome. If you’ve been approved your lender will send over an agreement for you to review and sign. It is important to remember to read through your agreement carefully and make yourself aware of any potential fees and charges that might be associated with your loan product. If you’re unsure, make sure you get in touch with your individual lender before signing your contract. 

Get your cash 

Once your new lender receives a signed copy of your agreement they will usually transfer the cash straight to your account. The introduction of instant transfer is now making it easier for borrowers to get their cash faster than ever. If your bank is Osko or NPP enabled you could have the cash in your account and ready to use in just 60 seconds once approved. If you’d like to know more we recommend you get in touch with your individual lender.