Personal Loans &
Finance Solutions
We keep things simple from start to finish, so you can focus on your goals.
Loans and finance from $2,500
It wont effect your credit score to check your rate and find out what your repayments could look like.
You can apply in a few easy steps
We offer loans and finance with a wide range of options including personal loans, product finance and vehicle loans, not to mention our debt consolidation options.
You can still get yourself a Coogans Credit account for services and purchases to be used at any of our preferred businesses in Tasmania, transaction limits, terms and conditions apply.
What it takes to apply
To check your eligibility for a loan or finance:
- Provide your details
- Confirm your identity
- Confirm your income
Talk to one of our Personal loan Specialists if you're not sure, we are always happy to help.
Call us on 1300 266 426
Personal Loans
Coogans provides a wide range of personal loan options, ensuring you get the right loan for your needs.
We make the process simple from start to finish, so you can focus on achieving your goals.
Before you apply, get a rate quote to get an idea of what your repayments could be.
- For loans over $2,500
- Competitive interest rates and low fee options
- Weekly, fortnightly and monthly repayment options
- Flexible loan terms of up to 7 years
- Debt consolidation options
- Straightforward application process
Product Finance
Coogan's Product Finance makes it easy to bring home the products or pay for the services you want without the wait.
For any purchase over $2,500 at our trusted business partners, we have finance options available for approved customers.
Whether it’s for your home, lifestyle, or next big project, our finance solutions are designed to help you get what you need now and pay it off in a way that suits you.
- Shop with hundreds of our local business partners
- Simple application process, online or with one of our finance specialists
- Fast approvals for eligible customers
- Flexible repayment options to fit your budget
Vehicle and Asset Finance
If you're purchasing a car, bike or maybe a boat, we have finance solutions for you.
- We have secured and unsecured options. It doesn’t have to be brand new for us to get you financed
- We have better rates for secured vehicles
- You can start your car hunt with our preferred suppliers
Personal Loan Calculator
Things that get in the way of your application
Its difficult for us to lend more than $2,500 if you entirely rely on government benefits. Best you talk to one of our lending specialists if this is the case, otherwise our Coogans credit might be better for you, with flexible payment options and hundreds of retail and service providers in Tasmania.
Your Credit Score does matter, if you are not sure, we can have a look for you, submitting an application will allow us to have a quick look without affecting your credit score until we formalise a loan.
You can check your credit score before you apply. Your credit score is a snapshot of your borrowing and repayment history. Lenders use it to help assess your application. You can request a free copy of your credit report and score every three months from the major Australian credit reporting bodies:
- Equifax: https://www.equifax.com.au/personal/
- Illion: https://www.illion.com.au/
- Experian: https://www.experian.com.au/
Tip: Checking your own score does not harm it. If you spot an error on your report, contact the reporting body to request a correction.
You may find it difficult to get another loan if you already have 2 or more. talk to us if your not sure.
If you have heaps of missed payments or dishonours in the last three months, it may be difficult for us to find a finance or lending solution. Better to get your payments under control before applying for finance. Talk to us if you have concerns about your past payment history.
Credit defaults may affect your application! If you have a history of defaults, we may see you as a higher risk, which can reduce your borrowing options or increase the cost of finance depending on your circumstances.
Bankruptcy and financial hardship can affect your borrowing, If you are currently bankrupt, recently discharged, or experiencing hardship, this may limit the finance options available to you. We’ll carefully consider your circumstances to ensure any credit offered is suitable and manageable.