Our Services
Personal & Car Loans
Finance That Fits Your Life, Not Just Your Property
At EMAAR Finance, our expertise extends beyond property. Whether you are purchasing a new vehicle, funding a home renovation, consolidating debts, or financing a significant life event, we provide access to competitive personal and car loan products tailored to your individual circumstances.
Beyond the Mortgage — Personal Finance Solutions
Life's financial needs do not begin and end with property. There are moments — a new car, a kitchen renovation, a wedding, a medical expense, an educational investment — where access to well-structured personal finance can make a meaningful difference to your quality of life and financial wellbeing.
The personal lending market is vast and, frankly, confusing. Interest rates vary enormously between lenders, fee structures are often opaque, and the terms and conditions can be difficult to compare. Many Australians end up paying far more than necessary simply because they did not have access to independent, expert guidance at the time of their decision.
EMAAR Finance brings the same rigour and client-first approach to personal and car lending that we apply to home loans. We compare products across our lending panel, explain the true cost of each option, and help you make a decision that serves your long-term financial health — not just your immediate need.
Car Finance — Your Options Explained
A car is often the second-largest purchase most Australians make, yet many people approach car finance with far less preparation than they would a home loan. Dealer finance, in particular, is frequently more expensive than the alternatives — and the pressure of a showroom environment is not conducive to careful financial decision-making.
Finance Type
Best For
Secured Car Loan
New or used vehicles where the car serves as security — typically the lowest rates available
Chattel Mortgage
Vehicles used primarily for business — significant tax advantages including GST and depreciation claims
Novated Lease
Employees who want to use pre-tax salary for vehicle costs — reduces taxable income
Unsecured Personal Loan
Older vehicles that do not qualify as security — higher rates but greater flexibility
Commercial Hire Purchase
Business vehicles where ownership transfers at the end of the term
Personal Loans — What We Can Finance
Our personal loan solutions cover a wide range of purposes. Whatever your need, we will help you find the right product at the right price.
Home renovations and improvements — kitchens, bathrooms, extensions, and landscaping
Debt consolidation — rolling multiple high-interest debts into a single, lower-rate loan
Medical and dental expenses — elective procedures, orthodontics, and specialist treatments
Education and professional development — tuition, certifications, and career advancement
Travel and significant life events — weddings, honeymoons, and milestone celebrations
Technology and equipment purchases — computers, solar systems, and home appliances
A Note on Debt Consolidation
If you are carrying multiple high-interest debts — credit cards, store cards, personal loans — consolidating them into a single, lower-rate personal loan can simplify your finances and reduce your overall interest burden. A single monthly repayment replaces multiple obligations, making it easier to manage your cash flow and stay on track.
However, consolidation is not always the right answer, and we will always model the true cost comparison before recommending this approach. In some cases, consolidating short-term debts into a longer-term loan can increase the total interest paid, even at a lower rate. We will always show you the full picture.
What We Need to Get Started
The documentation required for a personal or car loan is generally less extensive than for a home loan, and approvals can often be obtained within 24–48 hours.
01
Initial Enquiry
Tell us what you need to finance, the approximate amount, and your preferred repayment timeline. We will give you an immediate indication of your options.
02
Document Collection
We will need proof of identity, recent payslips or evidence of income, bank statements for the past 3 months, and details of any existing debts. For car loans, we also need details of the vehicle.
03
Lender Comparison
We compare products across our lending panel to identify the best combination of rate, fees, and features for your specific purpose and repayment capacity.
04
Application & Approval
We submit your application and manage the approval process. Many personal and car loans are approved within 24–48 hours of a complete application.
05
Funds & Settlement
Once approved, funds are typically available within 1–2 business days. For car purchases, we can coordinate payment directly to the dealer or private seller.
Why Choose EMAAR Finance
Competitive Rates
We compare personal and car loan products across our full lender panel
Independent Advice
No dealer finance pressure — just honest, expert guidance
Fast Approvals
Many personal and car loans approved within 24–48 hours
Flexible Loan Terms
Loan terms from 1 to 7 years to suit your repayment preferences
Business Vehicle Expertise
Specialist guidance on chattel mortgages and novated leases
Or call: +61 400 000 000
Need Finance Beyond Your Mortgage?
Whatever your financial need, EMAAR Finance is here to help you find the right solution at the right price. Book a free consultation today and let us take the complexity out of personal lending.