Secured Loans up to $50,000!

  • All Vehicles Considered1
  • Cars, Motorclyles, Caravans, Vans, Trucks, Boats etc...
  • Get Your Best Loan Rate1
  • Quickly get the best Noddle loan rate for you from 6.49% p.a.1
  • No Deposit Necessary1
  • Secured loans from $5,000 to $50,000 with noddle1
Personal Loans
Secured Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Get the Nod with Noddle Secured Loans

When you apply for your Noddle loan and are willing to offer your existing vehicle as security against your new loan, that gives you a few advantages over our unsecured loans. You'll get a better chance that your loan application will be accepted and accepted at a better rate than without security. Also by offering up security, it may give you access to borrow a larger loan amount!

Noddle unsecured personal loans are available up to $25,000 and our vehicle loans - which are secured against the vehicle you intend to borrow - are available up to $50,000 - depending on a number of factors, such as the loan affordability.

Noddle loans can be secured against any number of vehicles with registration numbers, such as cars, motorcycles, caravans, trailers, campervans, motorhomes, vans, trucks, boats and more. As part of your application, you'll be given the opportunity to check a few boxes showing your willingness to offer security if required as well as telling us whether you have saved up a deposit to go towards a new vehicle, if that is what you need the loan for. Don't worry though, having a deposit is great, but it is not required to get the nod with Noddle.

Ready to Get Started?

Great! The application should only take you a few minutes if you have your details handy. As part of your application, you will be asked to log into your bank account, so we can digitally scan your past 90 days bank statements. Don't worry, we only have read-only access to your bank account and used a trusted 3rd party service to maintain your secrity at all times.

Once your application is complete, we can usually get back to you with a loan decision within 60 minutes1!

Get Started

If you are buying a new vehicle, we'll let you know how much money you have been pre-approved to borrow and can start shortlisting and viewing potential vehicles to buy. Dealers and private sellers are both OK with Noddle.

What is a secured loan?

A secured loan is a type of loan where the borrower offers up an asset as collateral agains the amount of money they are borrowing. With Noddle, the asset is usually your car, if you have one or if you are getting a secured loan from us to buy your next car, then the car you are buying would be used as security. Other vehicles are also considered for security, such as a caravan, motorcycle or boat.

What is the advantage of getting a secured loan?

By getting a secured loan, your loan rate will often be lower than when taking out a similar loan unsecured. Lenders will also be more likely to offer you a loan, if your credit is not perfect, when you offer security against your loan and often for a larger amount of money.

  • Lower Loan Rates3
  • Better Chance of Approval
  • Larger Loan Amount Available to Borrow

How do I get my best loan rate?

With Noddle, we use our smart tech to assess your application and direct it to the best options we have available to you. This is done automatically when you apply online with Noddle. However, your options for a better loan rate will improve when you are willing to offer security against your loan, such as a car or motorcyle. The option to add security to your loan will be presented to you as part of your application.

Are Noddle secured loans only for car loans?

No, they aren't. Noddle offers a secured loan option against all our loans and that could be for a holiday, medical treatment, home renovation or when buying a new car or other vehicle.

Should I offer security against my personal loan?

Maybe, as there are advantages. You will get a better chance of your application getting accepted and accepted at a lower interest rate, and also the possiblity of your loan being approved for a larger loan amount.

Do I have to save up a deposit?

That is not necessary with Noddle, when getting a vehicle loan with us. However it may help you 'get the nod' on your application and allow you to purchase a higher value vehicle.

What can I use as security against my loan?

If you are looking to buy a vehicle, then the vehicle you are buying can be used as security against your loan. If you are getting a personal loan for any other purpose, then you will be given the option to offer your current vehicle as security against your loan, if you have one. This vehicle could be a car, motorcyle, campervan, boat or any other vehicle type.

What are the advantages of secured loans over unsecured loans?

The advantage of secured loans over unsecured loans is access to lower loan rates and better loan terms, as well as a better chance of loan approval. Access to borrow a larger loan amount is another advantage of using a secured loan.

  • Lower Loan Rates3
  • Better Chance of Approval
  • Larger Loan Amount Available to Borrow