Home improvements
Consider the project budget, alternatives, loan term and total amount repayable.
Discuss renovation finance →
PERSONAL LOANS · DEFINED EXPENSES · CONSOLIDATION
Fund the next step. Know the total cost first.
A personal loan can help with a defined expense, but the repayment needs to remain manageable. Rockvale helps compare the rate, comparison rate, fees, term, security and total amount repayable before an application.
- Obligation-free first conversation
- Australia-wide phone and video
- No documents in the first enquiry
Australia-widePhone and video appointments
Broad lender viewAccess through Connective, subject to accreditation
Clear comparisonStructure, fees, trade-offs and next steps explained
One point of contactAsh manages the finance conversation
What is the finance intended to support?
Major planned expense
Set a firm amount and compare secured or unsecured pathways for an eligible purpose.
Discuss a planned expense →Eligible debt consolidation
Compare the new term, fees, security and total interest—not only a single repayment.
Review consolidation →Education or professional costs
Discuss the expense, timing and a repayment that remains manageable.
Discuss my purpose →
A CLEAR FINANCE PROCESS
Borrow for a clear purpose, with the repayment in view.
- 01Define the purpose
Confirm the amount, timing and whether a lower-cost alternative should be considered first.
- 02Set a safe budget
Review income, living costs, debts and a repayment that remains manageable.
- 03Compare the whole cost
Assess comparison rate, fees, security, term and total amount repaid.
- 04Prepare and progress
If suitable, complete the required assessment and coordinate the application.
A broader starting point than one provider.
Representative lenders from Connective's published panel. Availability depends on Rockvale accreditation, your circumstances, the finance purpose and lender policy.
ONE DIRECT CONTACT
Speak with Ash Talele.
Start with the goal, approximate amount and timing. If a potential pathway is worth exploring, Rockvale will explain the evidence and assessment needed next.
Call 0452 233 907 →REQUEST A PRIORITY CALL-BACK
Start with a short, useful brief.
No approval promise and no pressure. Tell us what you need, and we will contact you to understand whether an appropriate finance pathway may be available.
Personal lending remains subject to responsible lending assessment, lender policy and approval. If you are in financial hardship, free financial counselling may be a better first step.
Useful answers before you enquire.
What will a lender assess?+
Lenders generally consider your income, expenses, existing debts, credit history, purpose, requested amount and ability to repay. Approval is never guaranteed.
Secured or unsecured personal loan?+
A secured loan uses an accepted asset as security. An unsecured loan does not take security over a specific asset but can have different pricing, limits and eligibility.
Is debt consolidation always cheaper?+
No. A longer term, fees or higher total interest can make consolidation more expensive. Securing previously unsecured debt can also place the asset at risk.
What if I need help with urgent bills?+
Before taking new credit for essential bills, ask the provider about a payment plan and consider free financial counselling or eligible No Interest Loans through Moneysmart.
Need a different type of finance?
Buy or move homeHome loans →
Review your current loanRefinancing →
New, used or private saleCar loans →