Loan products have come a long way and have evolved from the past. As more people are looking for personal loans, lenders these days, offer better and more competitive products to attract customers. Personal loans generally can be a cheaper method to finance than credit cards. Also, the available loan amount (normally up to $50,000) is higher than the credit card limit.
Note
As usual, most lenders have a stricter income verification policy applied to self-employed borrowers compared to PAYG employees. However, some lenders specialise in self-employed borrowers and may offer attractive rates for qualified borrowers.
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