Finty
The Capricornian

The Capricornian Personal Loans

Variable rate

Our personal loan can be used for renovating your home, booking your next holiday or upcoming wedding celebration. Maybe you’d like to piece together your finances, simplify your life and combine your debts with one regular repayment. Whatever the scenario, we can help make your dreams come true.

Written byDavid Boyd
Interest rate a year, from
10.94%
Comparison rate, from
11.30%
Establishment fee
$250
Monthly fee
Not published
Borrow
Not published

Monthly repayment

$20,000 over 3 years

Apply now

What it would cost

At the lowest published rate of 10.94%. The rate you are offered depends on your circumstances, and the establishment fee is not included.

Monthly repayment
$654
Total repayments
$23,551
Interest
$3,551

Loan details

Rates

Interest rate (a year)
10.94%
Comparison rate (a year)
11.30%
Rate type
Variable
Security
Not published

Limits and fees

Loan amount
Not published
Loan term
Not published
Establishment fee
$250
Monthly fee
Not published

How it compares

Against the other personal loans we compare. Typical means the middle half of them.

Comparison rate

11.30%

From 11.30%. A typical loan starts at 10.14%.

Cost of $20,000 over 5 years

$6,305

Interest and fees at its starting rate. Typical is $5,513.

Setup fee

$250

A typical setup fee is $150.

Pros and cons

Pros

  • One rate for everyone. Everyone approved gets 10.94%, so the rate you see is the rate you get.
  • Redraw. You can take back extra repayments later if you need the money.
  • No early repayment fee listed. You can pay the loan off early, or refinance, without a penalty. Check the terms to be sure.

Cons

  • A higher setup fee. $250, above the typical $150. It's usually added to the loan, so you pay interest on it too.
  • A variable rate. Your repayments can rise if the lender lifts its rate, though they can also fall.
  • A $40 late payment fee. Setting up automatic repayments avoids it.

Similar loans

Personal loans from other lenders that start at a similar comparison rate.