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360 Finance personal loans
360 Finance is part of A. P. Eagers, Australia’s largest and oldest listed automotive retail group.
360 Finance is a broker and can find you personal loans, car loans, home loans, business finance and insurance that might best meet a customer’s needs. The broker has relationships with other financial institutions, including the country’s big four banks, ANZ, Commonwealth Bank, NAB and Westpac.
Although 360 Finance’s head office is in Brisbane, the lender has customers throughout Australia, with customer support offered over the phone and online.
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Why choose 360 Finance
360 Finance Personal Loans
Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
Features of 360 Finance personal loans
360 Finance brokers a variety of personal loans from over 20 lenders:
- Car loans (used and new car loans)
- Bike loans
- Boat loans
- Caravan loans
- Hobby equipment loans
- Jet ski loans
- Medical procedures
The minimum personal loan amount offered by 360 Finance is $2,000. Personal loans brokered by 360 Finance can have variable or fixedinterest rates, with terms of one to seven years. Repayments can be made weekly, fortnightly or monthly and customers can choose between secured or unsecured personal loans.
As 360 Finance is a fee-for-service broker, a service fee may apply.
360 Finance – customer service
360 Finance doesn’t have any branches, with customer service being offered either over the phone or online.
Customer service staff are available by phone from 8am-5pm (AEST), Monday to Friday, email and online enquiry form.
Who is eligible for a 360 Finance personal loan?
To be eligible you must:
- Be 18 years or over
- Be an Australian permanent resident or citizen
- Have a reasonable credit history
- Demonstrate a minimum of three months’ work history
360 Finance does offer personal loans to self-employed Australians, depending on circumstances.
If a borrower has previously been bankrupt, they may still be eligible, however additional information will be needed.
How to apply for a 360 Finance personal loan?
To apply for a 360 Finance personal loan, you’ll need provide the following details:
- Proof of Australian residency or citizenship
- Driver licence
- Proof of income
- Information about your credit history (including any credit defaults)
Usually once you fill in an online form, a 360 Finance customer service representative will be in touch to discuss your application.
360 Finance personal loan review
360 Finance is a fee-for-service broker, which can connect borrowers to a range of lenders and personal loans for a variety of customers.
The interest rates on 360 Finance personal loans vary significantly between the types of loans it offers. Generally, secured loans have much lower interest rates than unsecured loans.
Compared to its competitors, 360 Finance offers many personal loans that have moderately low interest rates. However, to make sure you get the best deal for you, it’s worth comparing their rates carefully with other lenders.
When it comes to fees, they vary significantly between the types of personal loans 360 Finance offers. Some charge upfront fees as well as monthly fees, while others waive these. Early exit fees may also be charged and there are missed payment penalty fees as well. 360 Finance may charge a service fee for their broking services.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
