Flexible Finance Solutions for Your Lifestyle
At Vivid Financial, we help you secure the right personal loan to achieve your goals.
Whether it’s purchasing a new car, consolidating debt, renovating your home, or planning a dream holiday. With access to a wide range of lenders, we source loan options tailored to your needs. From flexible personal loans for major purchases or unexpected expenses to asset finance for securing vehicles or equipment, we guide you through the application process to ensure a seamless experience, so you can focus on what matters most.
How Vivid Can Help
Secured Personal Loans
Backed by assets like a car or property, this loan structure offers lower interest rates, making it ideal for larger amounts or longer-term loans.
Unsecured Personal Loans
With no collateral required, this loan structure typically carries higher interest rates and is ideal for short-term needs like travel, debt consolidation, or home improvements.
New or Used Car Finance
Finance options for purchasing new or second-hand vehicles, with flexible repayment terms and favourable rates.
Motorcycle and Recreational Vehicle Finance
Loans for motorcycles, caravans, boats, or other recreational vehicles, which require specialised financing due to factors like depreciation rates, usage, and insurance requirements.
Loan Refinancing
Already have a vehicle loan? We can help refinance to reduce repayments or secure a better rate.
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We offer a complimentary, no-obligation consultation and review of your current loans to help you navigate your financing options.
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The Vivid Difference lies in our commitment to service excellence throughout every step of the journey.
The Vivid Difference
Our dedicated team takes the time to fully understand your unique needs and provides professional guidance in structuring asset and personal finance solutions that align with your financial goals. We don’t just secure financing; we assess different loan structures to ensure they support your objectives—whether it’s consolidating debt, reducing repayments, or accelerating loan paydown. As the market evolves, we proactively review your options, recommending refinancing or restructuring when beneficial.
With Vivid, you also gain access to our broader Vivid Property group services, ensuring a seamless, end-to-end experience tailored to your needs.
frequently asked questions
How can I improve my chances of securing better terms for a personal loan or asset finance?
To improve your chances of securing better terms for both personal loans and asset finance, it’s essential to focus on key financial elements that lenders consider. Our experienced Vivid finance brokers are here to guide you through these considerations, ensuring you understand how each one impacts your application.
A strong credit history is one of the most important aspects, as it shows your ability to manage debt and repay loans on time. Lenders typically offer more favourable rates to borrowers with a higher credit score, as it signals a lower risk. Additionally, having a stable income and a manageable level of debt further strengthens your application, proving you can comfortably handle additional repayments.
For asset finance, the value and condition of the asset you intend to finance—such as a car or equipment—also influence the terms. Well-maintained and valuable assets typically secure better rates, while choosing a larger down payment or a shorter loan term can also work in your favour.
Our professional brokers will help you navigate these factors and tailor the right financing options to your situation.
Are there any hidden fees or charges I should be aware of with personal loans or asset finance?
When considering personal loans or asset finance, it’s important to be aware that there may be additional fees beyond the interest rate. At Vivid Financial, our team will ensure you fully understand these fees before we secure your loan.
Common fees associated with these types of loans include application fees, early repayment fees, late payment charges, and potential administrative costs, which can add up over time and affect the overall affordability of the loan.
While our brokers will take these fees into account when structuring the best loan for you, it’s still crucial that you carefully review the loan agreement to understand all potential charges before committing. This will help you avoid unexpected financial burdens. Our team is here to guide you every step of the way, ensuring a smooth and transparent financing experience.
Can I get a personal loan or asset finance if I already have other loans, like a mortgage or commercial loans?
Yes, it’s possible to qualify for personal loans or asset finance even if you have existing loans, such as a mortgage or commercial loans. However, it’s important to understand that your current financial commitments will be carefully considered when assessing your ability to repay the new loan. Lenders typically review your overall debt-to-income ratio, which compares your total monthly debt repayments to your income. This helps them gauge whether you can comfortably manage additional repayments.
While having other loans does not automatically disqualify you from obtaining new financing, it could affect the loan’s terms or approval. If your existing obligations are too high, you may be offered less favourable rates or lower loan amounts. Additionally, lenders will consider your financial stability, so demonstrating a solid income stream and a positive credit history can strengthen your application.
To ensure a successful loan application, it’s crucial to keep your total debt load manageable and show that your finances are in a strong position. Our team at Vivid Financial is here to help you navigate these considerations, offering advice and ensuring the loan structure aligns with your current financial situation, so you can make an informed decision.
