Loans

What OneMain Financial looks for in US personal loan applicants, including credit profile, income, debt and the option of using a vehicle as collateral.

The residency, income and credit conditions Wisr uses for unsecured personal loans in Australia, how its rate estimate works and how to prepare.

How to apply for a Standard Bank personal loan in South Africa, what the affordability check requires, how to read the quote and when funds arrive.

How to apply for the CIMB Cash Plus personal loan in Malaysia, the documents to prepare, what happens during approval and how disbursement works.

A practical walkthrough of the ASB personal loan application in New Zealand, from preparation and the online form to verification, approval and payout.

How Standard Bank sets a personalised fixed rate, how the National Credit Act limits unsecured lending rates and how to read the total cost of credit.

Why the CIMB Cash Plus flat rate understates the true cost, how the effective interest rate is calculated and how to use both to compare Malaysian loans.

What the ASB fixed personal loan rate means for New Zealand borrowers, how it is set, how it compares with secured lending and what it costs in dollars.

Calculate CIMB Cash Plus monthly instalments with the flat-rate method, convert them to an effective rate and see how tenure changes the total cost.

Work out a realistic Standard Bank personal loan instalment in rand by adding the initiation fee, monthly service fee and credit life insurance.