Stallion Finance > FAQ

FAQ

  • A personal loan is a type of unsecured loan that provides lump-sum funding for various personal expenses. Unlike a car or home loan, personal loans don’t require collateral and can be used for any purpose, such as medical bills, travel, home renovations.

  • You can borrow as little as $1,000, and the maximum amount depends on your income, credit score, and ability to repay. Our team will help you determine a loan amount that best suits your financial needs.

  • Personal loans can be used for a wide range of needs, including: • Home improvements – Upgrade your home without waiting. • Medical expenses – Cover unexpected medical costs. • Education expenses – Fund tuition fees or course materials. • Travel and holidays – Plan your dream vacation without financial stress.

  • Your repayment amount is determined by: • The amount borrowed • The interest rate • The loan term (length of repayment period) Use our loan calculator to see what your repayments could look like. You can choose to repay weekly, fortnightly, or monthly via direct debit for convenience.

  • Yes! Many of our lenders allow early repayments with little or no extra fees. Paying off your loan early can help you save on interest and become debt-free sooner.

  • Applying for a personal loan is easy. You’ll generally need: • Proof of identity (passport or driver’s license) • Proof of income (recent payslips or bank statements) • Proof of address (utility bill or rental agreement)

  • Car loan is a type of financing that allows you to purchase a vehicle by borrowing money from a lender and repaying it over time with interest. Instead of paying the full amount upfront, you make manageable monthly payments until the loan is fully paid off. The car itself usually serves as security for the loan.

  • Yes! Having bad credit doesn’t necessarily mean you can’t get a car loan. Since the vehicle itself acts as collateral, lenders may be more willing to offer financing compared to other types of loans. While approval isn’t guaranteed, we specialize in finding solutions for all credit situations and work with a wide range of lenders to increase your chances of getting approved.

  • Absolutely! Refinancing allows you to switch your existing car loan to a different lender—potentially securing a lower interest rate, reducing your monthly repayments, or adjusting your loan terms. However, it's essential to have clear financial goals before refinancing. Consider factors such as early repayment fees on your current loan, new loan terms, and any additional costs involved. We can guide you through the process to ensure you make the best financial decision.

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  • The minimum loan amount we offer is $1,000, and the maximum depends on your financial situation and ability to repay. It’s important to borrow only what you need while ensuring the repayments fit comfortably within your budget. Our team is here to help you determine the right loan amount based on your unique circumstances.

  • We streamline the application process by gathering all necessary information upfront, allowing for faster approvals. Once everything is submitted, lenders can typically approve loans within 2 to 3 hours, though this may vary depending on their processing times.

  • Your repayment amount is based on factors such as the loan amount, interest rate, and loan term. To make budgeting easier, we offer a loan calculator so you can explore different repayment options. Repayments can be made on a weekly, fortnightly, or monthly basis via direct debit, providing flexibility and convenience. Still have questions? Contact us today and let our team assist you in finding the best finance solution!

  • A debt consolidation loan allows you to combine multiple debts into one single loan with a potentially lower interest rate and more manageable repayment terms.

  • Yes, if you consistently make your repayments on time, consolidating your debts can help improve your credit score over time by reducing missed or late payments.

  • Yes! We work with a wide range of lenders, including those who offer solutions for people with bad credit histories. While approval isn’t guaranteed, we do our best to find a solution for you.

  • Loan amounts depend on your existing debt, income, and repayment capacity. Our team will help determine the best amount for your needs.

  • With the right information, approval can take as little as 24 hours, depending on lender processing times.

  • You can consolidate a variety of debts, including: • Credit cards • Personal loans • Payday loans • Store cards • Medical bills

  • While it might seem like a good idea to apply with multiple lenders to increase your chances of approval, doing so can negatively impact your credit score. Each time a lender runs a credit check, it leaves an inquiry on your credit file. Too many inquiries in a short period can make you look like a high-risk borrower and may reduce your chances of getting approved.

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  • A commercial vehicle loan is a financing option that allows businesses to purchase vehicles for operational use. The loan is typically secured against the vehicle, making it an affordable and flexible way to grow your fleet without impacting cash reserves.

  • Any registered business, including sole traders, partnerships, SMEs, and large corporations, can apply for a commercial vehicle loan.

  • Yes! We can help businesses secure funding for single or multiple vehicles—from small vans to heavy trucks—depending on your financial situation and needs.

  • Not always. Some lenders offer low or no-deposit finance options, depending on the business’s financial health and the type of vehicle being financed. We can help you find the right choice.

  • We aim for fast turnaround times. With all required documents, approval can be completed within 24 hours.

  • Typically, businesses need to provide: • Business registration details • Financial statements or bank statements • Proof of income and revenue • Identification documents for business owners

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Applying for a personal loan with Stallion Finance is fast, simple, and stress-free. Click below to apply online, or contact our team for expert guidance!

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