Interest Rate Guide

A Quick Comparative Guide

At IBN Direct, we think outside the square to place your loan that may have been previously declined by a bank.

Here is an indicative guide of what to expect:

  • Bank Loans  5-7% per annum

With the lowest interest rates, a traditional bank loan is a great place to start. However, many ‘outside of the square’ loans will not be able to meet the requirements for the lower risk rate.

  • Second Tier Lenders  7-10% per annum

Secondary to the major banks, many of the established second-tier lenders will still be looking for minimal risk, but will consider reasonable credit as opposed to excellent credit. Flexibility is the key, with terms generally ranging from 1 to 5 years, allowing you to establish your credit and eventually move onto a mainstream lender and lower interest rates.

  • Private Funders  10-14% per annum

If you are banging your head against a brick wall with conventional lenders, then an alternative way to get into the market is with a Private Funder. The rates reflect the risk, as Private Funders are willing to overlook some issues the banks or second-tier lenders will not even consider.

Dream bigger, think better, fund smarter. Apis Financial will source the smart solution to fund your next big idea.

We’re experienced, connected and passionate lending experts ready to help you find your smart finance solution.

Smarter finance solutions to reach your personal and business goals. Talk to our lending experts to get started.

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Get more information about the type of loans we can help you place:

Dream bigger, think better, fund smarter. Apis Financial will source the smart solution to fund your next big idea.

Why choose Apis Financial?

The dedicated team at Apis Financial are highly-experienced lending professionals renowned for delivering outstanding service and smart funding solutions for each of their clients.

We present options that others didn’t know existed

We search for solutions and enjoy the challenge of complex loans

We understand the complexities and requirements for a diverse range of applications

We explain our cost-structure from the outset so that you know what to expect

Our experienced staff assist you every step of the way with frequent communication on the loan progress

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