Spend this Christmas Stress-Free!

It is that special time of year again. A time for cheer (lavish food, travel, gifts – among our favourites) and sometimes, a time of financial pressure or change. Why not make it extra memorable by spending this Christmas stress-free?

Whether you:

• need a Christmas personal loan to help spread the cost;
• are refinancing to have some extra money to enjoy a stress-free festive season;
• keep dreaming of a new kitchen to cook that traditional Christmas dinner in;
• want to relocate interstate to be with family;

Alpha Lend has the knowledge, experience, and relationships with Australia’s top lenders and smaller players to get you the finance you need by Christmas or the New Year.

Personal loan v credit card?

Spreading the cost of Christmas is an easy way to relieve some of the financial pressure surrounding this season. Loading a credit card up at Christmas time can be an easy way to overspend (with only your credit-limit to set the ceiling of your purchases, and minimum monthly repayments that can mean your debt is ongoing for long periods). 

Instead, by getting a personal loan you can be sure that you are committing to an amount and period of instalments that you can comfortably afford and pay off in a timely manner.

Whether your personal loan is to cover more minor costs like the Christmas period gifts and expenses or for something more major like relocation or renovations, we have a personal loan to suit you.

Lightning-fast Application Process

Applying for a personal loan this Christmas is fast and convenient. With our online-based application process. To make turnaround times extra fast, be prepared with the following things for your broker to submit your application:

• Proof of ID – such as a driver’s licence or passport and a Medicare card
• 90 days of bank statements
• 2 most recent payslips and your PAYG summary (or ATO Income Statement)
• Centrelink Income Statement – if part of your income comes from benefits
• Proof of rent (i.e. a rental tenancy agreement)
• Proof of home-owner expenses (i.e. a mortgage statement and rates).

 
As brokers, we work on your behalf and in your interest to determine what you can afford to borrow, understand every aspect of your financial commitments and goals and use our expert product and market knowledge to negotiate with lenders and get you the best personal loan arrangement and products.

To start your personal loan application today, contact us here.