Secured Personal Loan Online

A lot of people associate secured personal loans with buying a new car. However, there is a lot more to this type of loan besides using it to finance your car purchase.

A secured personal loan can take you a step further to realising your dreams. Whether you want to fund your business start-up, your holiday or wedding, a personal loan can help you achieve your goal.

Nowadays, personal loans come in different forms to meet the unique needs of different borrowers, unlike in the past when it was one-size-fits-all.
Here at Rapid Loans, we offer flexible secured personal loans via a time-saving application process so that you can access the funds you need, when you need them.


Secured Personal Loan

Use our simple personal loan calculator to find out how much you can borrow.

Loan amount

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  • $ 2,001
  • $ 3,000
  • $ 4,000
  • $ 5,000
  • $ 6,000
  • $ 7,000
  • $ 8,000
  • $ 9,000
  • $ 10,000

How often do you get paid?

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  • Weekly
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Rapid Loans

What is a Personal Loan?

This is a type of loan where the borrower gets money from a lender to finance their purchase and repays in small instalments over a set time with interest. Some personal loans do not require collateral and are referred to as unsecured personal loans, while those that require collateral are secured personal loans. Secured personal loans Australia are a better option for both lenders and borrowers. It is easier for lenders to give out such loans, and it usually gives borrowers better terms compared to an unsecured personal loan.

Apply now for your personal loan

What is a secured personal loan?

A secured personal loan is a type of credit where the lender takes out a security interest in an asset, such as a home or car. The asset used as security for the loan can be pre-existing or one that you intend to finance with the borrowed funds, as in the case of a car loan.

Can I Apply for a Personal Loan?

Here at Rapid Loans, the answer is yes and yes! Rapid Loans offers personal loans with flexible repayment and terms, as well as an easy application process. Whether you are consolidating debt, purchasing an appliance, or going on holidays, a secured personal loan is the ideal choice. If approved, we can offer you a flexible secured personal loan that’s suitable for your needs, income status, lifestyle, credit history, and other circumstances.

applying secured personal loan

What Can You Use a Personal Loan For?

You can use a personal loan for almost anything – to purchase a car, travel, pay unexpected bills, purchase a new appliance, home improvement, or consolidate debt, and more.

How Can I Apply for a Personal Loan?

If you need cash to cover unexpected expenses or for a new purchase, you can get a secured personal loan to finance your purchase while you pay back at your convenience. You don’t have to forego your needs or overstretch your budget.

All you need to do to get started is complete an easy online loan application with us. It’s straightforward, and you will be done in about 5 minutes. We also have a dedicated and friendly customer service team to guide you through the process if you need any help. Let us know how much you want to borrow and what for. Complete your personal information and bank account details, and other important information. Our personal loan consultant will get in touch with you as soon as possible, to let you know of our decision. If approved, you could see a result on the same day.

You can complete your loan application online at any time of the day. There’s no lengthy paperwork or no face-to-face interactions, this makes the process very fast.

Apply for a secured personal loan through our website or contact our team via 1300 727 431 to get started.

Couples Planning for secured personal loan

Choosing the Right Lender

If you need a personal loan and you want it fast, trust us at Rapid Loans where our easy online loan application process takes the stress out of applying for loans. If you want a lender with industry experience and expertise in this field, as well as proven track records then Rapid Loans is your go-to lender. Once you apply for a personal loan with us and you’re approved, we will disburse your money as a lump sum so you can effectively finance your purchase while you pay back the loan amount in convenient weekly, fortnightly or monthly instalments.

How Long do Personal Loans Take to Process?

Here at Rapid Loans, we are committed to offering clients a fast and efficient loan application and approval process. Our application process is completely online and takes just a few minutes to process. If your loan application is approved, you could in some cases get the funds transferred to your bank account the same day, especially if you are applying during business hours. You can have access to your funds as fast as possible depending on your bank.
car secured personal loan

Secured Personal Loan from Rapid Loans

Here at Rapid Loans, we offer Australians fast and reliable personal loans. We are a responsible loan provider with a strong reputation built over 17 years. We are straightforward and trustworthy and with us, there are no hidden fees, long wait times, or other tricky complications. We are proudly Australian owned and operated.

We are always committed to helping Australians get access to money just when they need it to maximise opportunities and attend to their financial needs, and also fund their desired lifestyle.

Reliable Loan Provider

We are confident you won’t find a more reliable, trusted, friendly, and efficient loan provider than us at Rapid Loans. You can enjoy a more cooperative, stress-free, and time-saving experience with us. We are driven by our commitment to offering fast, simple, and effective personal loan solutions, while providing a second to none customer experience.

The Rapid Loans Difference

Unlike some bricks and mortar loan providers, you don’t have to actually hand over your asset to Rapid Loans in order to secure your loan.

Just let us know what the value of your asset is, and we can structure a short term personal loan, secured against the value of your asset, and that suits both your payment needs and personal circumstances.
Guy and his car

The Advantages Of Secured Personal Loans

Secured loans can be extremely advantageous for the borrower. By offering an asset as collateral, the borrower can secure a better deal or rate than with an unsecured loan.

Taking out a secured personal loan with Rapid Loans also comes with the following advantages:

  • Fast online application
  • Fast loan approval
  • Rapid cash disbursement
  • Flexible terms and conditions
  • Affordable rates

Ready for a secured personal loan solution?

If you are ready to apply for a secured loan, here are some of the documents and personal information you might need during the personal loan application process:

  • Your current employment details and payslips (if employed)
  • Evidence of any income for any secondary parties listed on the personal loan application
  • Any assets you might have
  • Any other debts (credit card, store card, etc.)
  • The details of the asset you wish to use as security

At Rapid Loans, we make it easy to compare your loan options and make a decision that is best for you. Contact us today to speak with one of our professional and friendly personal loan consultants on 1300 727 431.
couples secured personal loan

Contact Rapid Loans Today

Here at Rapid Loans, we are committed to giving our customers access to the loan as soon as they need one if they’re approved with us. And over the years, we have built a reputation for our flexible repayment plans and our transparent services.

Find out how to apply online now, or speak with one of our small personal loan consultants on 1300 727 431 who will guide you through the quick and easy online application process.



Frequently Asked Questions



How do I apply for a personal loan?

You can apply for a personal loan online through our easy-to-use application form. If you require assistance, you can call our friendly service team on 1300 727 431 to get help with the application process.

What do I need to apply for a loan?

Getting your documentation ready to support your application for a loan is not hard but there are three basic things we need to know:

  • Your identity.
  • Your financial circumstances.
  • Your lifestyle.

Can I get an unsecured personal loan?

Rapid Loans do not offer unsecured personal loans. In order to offer better rates and loan terms to our customers, we only provide secured personal loan options.

What can I use as security against the loan?

We can take security in assets you own including vehicles that are registered in your name (cars, caravan, motorcycle etc) as well as properties that do not currently have any other finance owing on them.

Will the funds be available the same day?

We always aim to be as quick as possible with transferring funds to successful applicants. Depending on the time and day of the successful application, the funds may be available in the client’s bank account the same day or the next business day.

Do you offer fixed interest rates?

Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as borrower profile, loan product and principal amount.

Do you charge early repayment fees?

No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule

What is a p.a. comparison rate?

The comparison rate gives you a true understanding of the cost of the loan per year. In addition to interest rate charged, it factors in the cost of fees and charges, repayment frequency, loan term and loan amount.


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Katrina, Redan

When it came time to move into a new property, I knew if I saw something I liked, I’d need to come up with the money for a bond very quickly. So when I found my ideal property, I also found Rapid Loans online and it was an even quicker process to get the money I needed for the bond. I’d never borrowed money online before, but if you need cash quickly, I’d recommend Rapid Loans as your first click.

Alex, Sunshine West

I had a few unexpected bills to pay off and I needed a bit of extra cash fast. I couldn’t believe how quick the whole process was with Rapid Loans – from applying for some extra cash to actually getting it in my bank account. Now I can pay off my unexpected bills in my own time, knowing exactly how much my repayments are

Kim, Caloundra

We got to the stage where one car was just not enough for us with everything we needed to do during the week and on weekends. So I applied for loan with Rapid Loans to buy a second car and I couldn’t believe how easy and simple it was to secure the funds we needed. Our repayments are all structured and we know exactly how much we need to pay off and now we have the second car we desperately needed. Would I recommend Rapid Loans to friends or family? Well I already have!

Christina, Mawson Lakes

I needed some money to pay off two smaller loans and part fund a family trip to the Philippines. I was blown away by how fast and efficient Rapid Loans was, always keeping me in the loop during the process and making me feel like I was their only client. A big thank you to Rapid Loans for their excellent service


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