Need a Personal Loan?

As an independent finance brokerage, we work tirelessly to find the best financing options for your personal loan.

We compare a large panel of lenders to ensure you get:

• Secured or unsecured options with fixed or variable rates
   
• Loan terms from 1 to 7 years
   
• Flexible exit terms with small or no break costs
   

With our obligation-free assessment, there is nothing to lose.

A personal loan can be useful when you need:

• predictable repayments 
• access to funds quickly 
• a structured repayment plan 
• to consolidate higher-interest debts 
• help covering unexpected expenses 

At Royston Finance, we focus on making sure the loan is suitable for your situation, not simply getting an approval.

We believe finance should be clear, straightforward, and transparent.

Step 1 — Initial Discussion

We learn more about your situation and finance goals.

Step 2 — Obligation-Free Assessment

We review your circumstances and complete a soft credit review with no impact on your score.

Step 3 — Lender Selection

We recommend lenders and products suitable for your situation.

Step 4 — Quote & Review

We explain the recommended option clearly before proceeding.

Step 5 — Submission & Approval

Applications are submitted only once you are comfortable proceeding.

Step 6 — Settlement

We guide you through settlement and keep the process as smooth as possible.

Transparent Fees & Costs

At Royston Finance, transparency is important to us.

Brokerage Fees

Our brokerage fee ranges from $500 to $1,495 depending on the loan amount financed.

This fee supports:

• lender research and selection
• application preparation
• approval management
• settlement support
• ongoing customer guidance

The exact fee is always disclosed and agreed before proceeding.

Other Costs

Depending on the lender, there may also be:

• application fees
• monthly account fees
• early repayment fees

All fees and charges are explained clearly before any paperwork is signed.

No surprises.

Applying for finance for the first time can feel overwhelming, especially if nobody has ever explained how it works properly.

At Royston Finance, we take the time to guide you through the process step-by-step so 

you understand:

• how repayments work 
• what lenders look for 
• how credit files work in Australia 
• how to avoid overcommitting financially 
• what loan options make the most sense for your situation

No pressure. No confusing jargon. Just honest support and guidance.