Linear Financial Services credit assessment processes involve individual assessment of your requirements and objectives, enquiries into and verification of your financial circumstances and the development of a helpful credit risk profile, to ensure we recommend only a suitable loan to you.

Linear Financial Services provides access to both secured and unsecured personal loans in a one-on- one consultation service, to make a comprehensive decision on the best loan for customers’ needs and qualifications.

We provide the following two types of personal credit services:

  1. Access to Secured Personal Loans – Loans in which the borrower pledges some asset (e.g. a car or property) as security for the loan, which then becomes a secured debt.
  2. Access to Unsecured Personal Loans – Loans that are issued and supported only by the borrower’s creditworthiness. An unsecured loan is one that is obtained without the use of security for the loan.

Please read Your Privacy and the Provision of Credit, before providing any personal information.

Pre-Application Form

Loan Terms

Loan Amount Maximum Term
$5,001 - $10,000 12 months
$10,001 - $20,000 24 Months
$20,001 - $40,000 36 Months
$40,001 - $50,000 (secured only) 60 Months

*Product Features and Fees

Interest Rate *Annual Cost Rates from 19.49% (secured)
*Annual Cost Rates from 26.01% (unsecured)
Comparison Rate *$10,000 / 3yrs, unsecured: 30.52%
*$30,000 / 5 yrs, unsecured: 26.33%
*$10,000 / 3yrs, secured: 25.63%
*$30,000 / 5yrs, secured: 21.94%
Establishment Fee $0
Early Repayments Yes, no penalty attached
Account Maintenance Fee $0
Administration Fee $0
Payment frequencies Weekly or Fortnightly
Payment Methods Direct Debits or Salary Deductions
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.