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Select Encompass Personal Loans

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Loan Amount

$10,000

Term

3 months

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Featured

OurMoneyMarket

Low-Rate Personal Loan - Exceptional Credit - Zero Fee

Low-Rate Personal Loan - Exceptional Credit - Zero Fee

EST Monthly Repayment

$305.49 Inclusive of fees

EST Monthly Repayment

6.28%
Advert. Rate (p.a)

Comparison rate

6.28%
Comp. Rate (p.a.)

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OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $5,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.

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Plenti

Unsecured Personal Loan - Exceptional Credit

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment

$305.49 Inclusive of fees

EST Monthly Repayment

6.28%
Advert. Rate (p.a)

Comparison rate

6.28%
Comp. Rate (p.a.)

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Borrow from $5,000 to $65,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.

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Now Finance

NOW Finance Unsecured No Fee Personal Loan

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment

$306.26 Inclusive of fees

EST Monthly Repayment

6.45%
Advert. Rate (p.a)

Comparison rate

6.45%
Comp. Rate (p.a.)

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Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.45% to 26.95% p.a.*

DISCLAIMER NOW Finance is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030. THINGS YOU SHOULD KNOW Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new NOW Finance personal loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.45% p.a. (6.45% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.45% p.a. (6.45% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*). *ABOUT COMPARISON RATES The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are 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. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted. Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’. ABOUT PERSONALISED QUOTES Your personalised quote will provide you with an estimate of your interest rate and repayments. The final interest rate you are offered may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.

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Liberty

Unsecured Personal Loan - Excellent Credit

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$309.87 Inclusive of fees

EST Monthly Repayment

7.24%
Advert. Rate (p.a)

Comparison rate

7.24%
Comp. Rate (p.a.)

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Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.

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Harmoney

Unsecured Personal Loan - Excellent Credit

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment

$320.56 Inclusive of fees

EST Monthly Repayment

5.76%
Advert. Rate (p.a)

Comparison rate

6.55%
Comp. Rate (p.a.)

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Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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What type of loan are you looking for?

Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review Select Encompass personal loan rates

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing Select Encompass personal loans, there are other important things to consider and understand, other than just Select Encompass’s interest rates.

What personal loan options does Select Encompass offer?

Select Encompass has 3 personal loan products:

Select Encompass Personal Loan Unsecured
Select Encompass Debt Consolidation Personal Loan
Select Encompass Personal Loan Secured By Term Deposit

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Select Encompass car loans, Select Encompass home loan and Select Encompass credit cards.

Do you have a Select Encompass personal loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

How to apply for a Select Encompass Personal Loan?

If you’d like to apply online for a Select Encompass personal loan, just scroll up and click on “Learn more” to be taken to Select Encompass’s secure online application form. Before you apply, be sure to learn about Select Encompass’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.

Select Encompass’s personal loan eligibility criteria

Before you apply for a personal loan, be sure to understand and meet the Select Encompass’s lending criteria. Below is high-level overview of Select Encompass’s criteria:

Select Encompass’s minimum requirements for a personal loan

Minimum age of 18
Earn a minimum of $15,000 per annum
An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the Select Encompass branch or online, make sure to have the following nearby:

Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
A list of your assets, expenses and liabilities
Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

If you’re self-employed, you will also need to provide:

Financial statements for the last year

Your most recent personal/business tax return

Other things to keeping mind when applying with Select Encompass

It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Select Encompass personal loan

There are many additional factors Select Encompass consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a Select Encompass personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose Select Encompass will lend for:

Holidays/vacation
Education (e.g. student loans)
Weddings
Dental and other medical expenses

Additional product information

Select Encompass’s minimum and maximum personal loan amounts and terms

You can borrow between $1,000 and $80,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Select Encompass’s repayment schedule

Select Encompass allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Select Encompass allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

Select Encompass’s Variable Rate Personal Loan gives you the option of being able to make redraws.

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Bestfind.com.au provides factual information in relation to financial products. While Bestfind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the produc provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Bestfind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Bestfind.com.au. Bestfind.com.au recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Bestfind.com.au’s Terms of Use and Services Guide.

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