Personal Loans

Personal Loans

These are loans for any purpose that are not secured by property.  We will find the right type of facility to suit your requirements. Our suite of product solutions include loans for Motor Vehicles, Motorbikes, Trucks, Buses, Caravans, Boats, Aeroplanes, Home improvements, Swimming Pools, Holidays, Share Purchases and Tax Effective Investments.

Personal Loans

A Personal Loan is an unsecured loan with fixed payments and a fixed payment schedule that can be used for debt consolidation, home improvements, share purchases or any other need.

Car Loans

Car Loans are loans which are secured by the vehicle, and can include Consumer Loans, Chattel Mortgages and Hire Purchase.

Consumer Loans

A loan to purchase a car solely for personal use. The car is the security for the loan and 100% of the total purchase price can be financed. Repayments are fixed for the term of the loan.

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Secured Loan

Secured loans are the most popular type of personal car loan in Australia. The vehicle is used as security for the loan; therefore you need to pay out the loan in full if you sell your vehicle before the end of the loan term. Features of a secured loan:

  • Fixed interest rates
  • Can be repaid over a period of up to 7 years and these repayments can be scheduled weekly, fortnightly or monthly by direct debit or BPAY.
  • You can make extra or additional payments

Chattel Mortgage

A loan to purchase a vehicle predominately for business use. Popular with sole proprietors, partnerships or companies. The borrower becomes the owner of the motor vehicle while the financier secures a charge over the vehicle. GST is not payable on the loan repayments.

Hire Purchase

Unlike a chattel mortgage, under a Hire Purchase arrangement you do not become owner of the motor vehicle until all monies owed under the arrangement are paid. GST is not payable on the Hire Purchase repayments.

Vehicle Refinance

We will assess and if required restructure your current vehicle loan to give you the benefit of current interest rates that are currently available.


A loan that does not use an asset as security.

In Mortgage & Finance Services. Our difference is In the name.

How Can We Help You?

Whether you’re buying your first home, considering property investment, seeking commercial finance, wanting to consolidate or refinance existing debt, or require finance for other purposes, we can help you achieve the most appropriate solution.

First Home Owners

We know that choosing a new home loan can be difficult. We're here to help you.

Owner Occupied

We know that choosing a new home loan can be difficult. We're here to help you.

Investment Loans

For a solution for those who want to buy an investment property, we can help.


We provide free loan calculators as a convenience to our visitors.

Need Help?

We know that choosing a new loan can be difficult. At imfs we’re here to help you. If you have any questions at all just give us a call or send us an email.