Finance for real life.
Car Loans, Secured Personal Loans & Second-Chance Lending
Had credit difficulties? You may still have options. Talk to our local Sunshine Coast team about secured finance suited to your circumstances.
Prefer to ask a question first? Contact our team →
Applications are subject to lending criteria and assessment. Applying does not guarantee approval.
Explore our loan options
All our loans are secured. Explore your options below, apply online or speak with our local Sunshine Coast team.
Secured Personal Loans
Need funds for an eligible personal expense? Ask about our secured loan options and acceptable security.
Business Loans
Finance options for eligible business vehicles, equipment and practical business needs.
Holiday Loans
Planning a getaway? Ask about finance options for eligible travel and accommodation expenses.
Household Goods & Home Renovations
Need furniture, appliances or home improvements? Explore your finance options.
At Suncoast Loans, we believe there’s more to lending than just numbers. We take the time to understand your circumstances, consider your individual situation and help you explore secured finance options that suit your needs.
Your circumstances matter to us.
Local people. Practical finance options.
We know every application has a story. Our Sunshine Coast team takes the time to understand your circumstances and explain the next steps.
Second-chance consideration
Past credit problems don’t automatically mean you can’t apply. We assess your current circumstances and ability to repay.
Speak to a real person
Call our local team to discuss your questions before completing an application.
Flexible repayment schedules
Weekly, fortnightly or monthly repayment options, subject to your loan agreement.
No early payout fees
Pay out your loan early without an early payout fee. Other applicable loan fees and charges are disclosed before you proceed.
Can I apply?
Our online application is for secured lending from $2,000 to $20,000. You can still enquire if you’ve had credit problems in the past.
We look at your income, expenses, proposed security and ability to meet repayments. Centrelink income may be considered depending on your circumstances.
Applicants must be 18 or over. Lending criteria, verification, affordability assessment and approval apply. Not every applicant or security asset will qualify.
Ready to find out more?
Apply online or speak to our team about the information you’ll need.
Apply Now →Call (07) 5493 6133Applying does not guarantee approval.
Same-day application outcomes*
Submit your completed application with all required documents by 3 pm Monday to Friday (excluding public holidays), and we’ll aim to assess it and provide an outcome that day.
*Same-day outcomes depend on application volumes, completion of our lending assessment and any additional checks. Approval and funding are not guaranteed.
*Excludes public holidays.
Real conversations, clear next steps and a lending team you can call directly.
How to apply
We’ve kept the process straightforward so you know what happens next.
Apply online
Tell us what you need using our secure Suncoast Loans application.
Provide your details
Supply the identification, income and bank information our team requests.
Receive your outcome
We assess your application and explain the decision and any next steps. Funding follows approval and completed requirements.
Questions? We have answers.
Find out how applications work, what you may need and how our team can help.
Can I apply if I’ve had credit problems?
Yes, you can apply. We consider your current circumstances, income, existing commitments and ability to repay. Approval is not guaranteed.
How much can I apply for online?
Our online application is for $2,000 to $20,000. If you need more, call our team to discuss your options.
Can I apply if I receive Centrelink income?
Some Centrelink income may be considered alongside your other circumstances. Eligibility depends on your income type, affordability and lending criteria. Call us if you are unsure.
How quickly will I receive an outcome?
For complete applications with all required documents received by 3 pm Monday to Friday (excluding public holidays), we aim to assess the application and provide an outcome that day. This depends on application volumes and any additional checks. Approval and same-day funding are not guaranteed.
What documents will I need?
You may be asked for identification, income details, bank statements and information about the security offered. Our lending team will explain what is needed for your application.
Can I apply for a used car?
Yes. Suncoast Loans offers finance options for eligible used vehicles. The vehicle, your circumstances and your ability to repay will be assessed before a decision is made.
Can I apply with a provisional licence?
P-plate drivers can apply for car finance, subject to our lending criteria. Learner drivers should speak with our team about co-borrower requirements.
Are there fees for paying my loan out early?
Suncoast Loans does not charge an early payout fee. Check your credit contract for other fees and the amount required to finalise your loan.
Can I pay weekly, fortnightly or monthly?
Depending on your agreement, repayments can be arranged weekly, fortnightly or monthly. Our team can discuss suitable options during the application process.
Will I get my money on the same day?
A same-day application outcome is not the same as same-day funding. If approved, funding depends on all settlement requirements being completed.
Can I talk to someone before I apply?
Absolutely. Call our Sunshine Coast team on (07) 5493 6133 during business hours, or send an enquiry through our Contact Us page.
What does secured lending mean?
Secured lending means an eligible asset accepted by Suncoast Loans is used as security for the loan. Acceptable security depends on our lending criteria. Our team can explain the requirements before you apply.
Ready when you are?
Apply online or speak with our Sunshine Coast lending team.