Personal loans and car loans in Sydney and NSW. Compare rates from 50+ lenders for debt consolidation, new and used car finance, and unsecured personal loans. $0 broker fees. Based in Norwest, we serve Sydney, the Hills District, and NSW.
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No credit check, no obligation. Tell us what you need and we'll match you to the right option.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
A quick look at how personal loans and car loans work — and how we help you compare 50+ lenders for the right rate and structure. $0 broker fees.
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Why work with us
A quick look at how personal loans and car loans work. We compare rates from 50+ lenders for debt consolidation, new and used car finance, and unsecured personal loans. $0 broker fees.
A personal loan is a fixed amount borrowed over 1–7 years with predictable repayments — used for debt consolidation, renovations, weddings, holidays, medical costs and more. Most are unsecured; secured options (including car loans) use an asset as collateral and usually offer lower rates. We compare secured and unsecured loans from 50+ lenders so you get a structure that fits your budget.
Secured car loans for new and used vehicles — with the car as security — typically offer lower rates than unsecured personal loans. We help with dealer and private sale purchases, refinancing existing car loans, and EV / green car loans. We explain secured vs unsecured options so you don't overpay for dealer finance.
Consolidating multiple high-interest debts — credit cards, buy-now-pay-later, store cards, other loans — into one personal loan at a lower rate can simplify your finances and reduce total interest. We model whether consolidation makes sense before you commit, and we match you to lenders with strong consolidation products.
Renovations, weddings, holidays, medical or dental procedures, education, moving costs and emergencies — we structure personal loans so repayments fit your cash flow and you know exactly when the loan will be repaid.
As of 2026, secured personal loans start from around 5.67% p.a.; unsecured from ~5.76% p.a., with average unsecured rates closer to 13–14% p.a. The difference between two rates over a 3–7 year term can mean thousands in interest. Use our Loan Repayment Calculator to model repayments, then speak with us for personalised options (no obligation).
Start Here
Tell us what you need — personal loan, car loan or debt consolidation — and we'll match you to the right option. No obligation.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
Whether you need an unsecured personal loan for a renovation or life event, or a car loan for a new or used vehicle, we compare options from 50+ lenders and structure repayments that fit your budget.
Unsecured personal loans for debt consolidation, renovations, weddings, holidays, medical or dental procedures, moving costs and more. Loan amounts typically from $2,000–$100,000 over 1–7 years. Secured personal loans are available where an asset (e.g. a car) is offered as security and can deliver lower rates. We compare personal loans from 50+ lenders so you get a rate and structure that suit your income and timeframe.
Personal loans — full guide →Secured car loans for new and used vehicles, with the car as security, typically offer lower rates than unsecured personal loans. We arrange finance for dealer and private sale purchases, refinancing existing car loans, and EV / green car loans. We help you avoid overpaying for dealer finance by comparing offers from banks, credit unions and specialist lenders.
Car loans — full guide →Not sure which fits? Get expert advice free — we'll assess your situation and outline your options.
Personal finance at RyRo covers personal loans and car loans — unsecured and secured — used to fund life events, manage debt, and purchase vehicles. Getting the structure right can save thousands in interest and make repayments more manageable.
Secured loans (often car loans) use an asset as collateral and usually offer lower rates. Unsecured loans don't require collateral but carry higher rates. We explain which structure suits your purpose and profile before you apply.
The gap between a 7% and 14% interest rate over 3–7 years can mean thousands of dollars in additional interest. We compare rates and fees across 50+ lenders, not just the bank you already use or the first offer from a dealer.
Shorter terms reduce total interest but increase monthly repayments; longer terms reduce repayments but cost more overall. We help align loan term and structure to your purpose — consolidation, car purchase, renovation, or life event — so you're comfortable with both the repayments and the total cost.
Personal loans and car loans are relevant to a wide range of borrowers in Sydney and NSW:
Those with multiple credit cards, buy-now-pay-later, or personal loans who want one structured repayment at a lower rate.
People purchasing from dealers or private sellers — or refinancing an existing car loan to a sharper rate.
Borrowers funding renovations, upgrades, or repairs where a personal loan is faster and simpler than refinancing a home loan for a smaller amount.
Weddings, holidays, education, medical or dental procedures, moving costs or unexpected expenses that can’t wait.
Those whose income is primarily self-employed and need guidance on which lenders are most accommodating of their documentation and income structure.
If you're considering a personal loan or car loan, get a free assessment and we'll outline your options.
“We match you to the right personal or car loan from 50+ lenders — focusing on structure, rate and repayments that you're comfortable with.”
Sumit · Director & Senior Loan Specialist
Free strategy call - no obligation
Tell us what you need — personal loan, car loan or debt consolidation — and we'll match you to the right option.
By submitting, you agree to our privacy policy and terms of service.
We assess your needs, compare options across 50+ lenders, prepare your application, and manage the process through to approval and settlement.
Debt consolidation, car purchase, renovation, wedding, holiday, medical or other purpose — plus your income, employment type, and existing debts.
We shortlist lenders whose criteria and products fit your profile — secured vs unsecured, fixed vs variable, loan term and features — and recommend options with clear pros and cons.
We tell you exactly what documents are needed (payslips, bank statements, ID, etc.) and prepare the application so it is complete from day one.
Many lenders can issue conditional approval within minutes; full approval often within 24–48 hours for straightforward applications. We coordinate settlement and ensure funds are released or the car is paid as required.
We remain available for questions, and when your situation changes we can review your loan to see whether refinancing or restructuring makes sense.
Most lenders require you to be at least 18, an Australian citizen or permanent resident (some accept eligible visa holders), have regular income above a minimum threshold (often $35,000–$45,000 p.a.), and a credit profile that supports the requested amount. They assess your income, expenses, and existing debts to ensure the repayments are affordable.
Self-employed borrowers can still qualify — documentation usually involves tax returns and financials, or alternative documentation for certain lenders. Vehicle age, loan term and security also affect car loan eligibility. We assess your full profile and only recommend lenders likely to approve you.
RyRo Loan Centre is based in Norwest in Sydney's Hills District, and we help borrowers across Sydney, regional NSW and Australia secure personal loans and car loans that match their goals. Whether you're consolidating debt in the Inner West, buying a car in Parramatta, or funding a renovation in the Hills, we compare options across 50+ lenders so you don't have to.
We work remotely with clients across NSW and interstate, with clear, honest communication at every step.
We compare personal loans and car loans across 50+ lenders and help you choose the right structure, not just the lowest advertised rate.
We compare banks, credit unions and specialist lenders so you see more than the handful of brands you already know. This increases your chances of approval and a better rate.
Our service is free to you. We are paid by the lender when your loan settles. There are no hidden broker fees for personal loans or car loans.
We help you choose between secured vs unsecured, fixed vs variable, term length and features such as extra repayments and redraws — then find the best rate within that structure.
We tell you exactly what documents are needed, prepare the application, and keep you updated. Many approvals are issued within 24–48 hours once documents are supplied.
Based in Norwest, we understand Sydney cost-of-living pressures and property prices — and we also help clients across NSW and Australia with remote, phone and online support.
More than 2,000 Australians have trusted RyRo Loan Centre with their lending — from first-time personal borrowers to experienced clients restructuring debt or upgrading vehicles.
5.0 out of 5, based on 340+ verified Google Reviews.
Based on 340+ verified Google Reviews.
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above an…"
Read more"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! H…"
Read more"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free…"
Read more"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my in…"
Read more"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went ab…"
Read more"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a…"
Read more"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helpe…"
Read more"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn'…"
Read more"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-…"
Read more"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right directio…"
Read more"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Su…"
Read more"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process…"
Read more"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal…"
Read more"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Aus…"
Read more"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always…"
Read more"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for…"
Read more"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two…"
Read more"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highl…"
Read more"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of…"
Read more"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straig…"
Read moreFrom first conversation to funds in your account or keys to your new car, we keep the process simple and transparent.
Free strategy call — you tell us what you are trying to achieve and your approximate loan amount and timeframe.
We outline options and required documents, then prepare your application for the most suitable lenders.
We submit to the best-matched lender and manage any follow-up questions or additional documentation.
On approval, we coordinate settlement — either paying out existing debt (for consolidation) or funding your purchase.
We remain available for future questions and review opportunities to save interest over time.
Ready to start? Get a free strategy call and we'll outline your options.
Answers on demand
Common questions about personal loans, car loans, eligibility and how we help Sydney and NSW borrowers find the right option.
Why people ask
Our team
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Need something answered live? Talk to our team
Start here
Tell us what you need — personal loan, car loan or debt consolidation — and we'll match you to the right option. No obligation.
By submitting, you agree to our privacy policy and terms of service.
Use our tools to estimate borrowing power and repayments before you commit.
Explore our personal finance sub-pages, or other lending categories that might fit your goals.
Join 2,000+ Australians who've trusted RyRo Loan Centre. $0 fees. Expert advice. No credit check.
“Whether you're consolidating debt, funding a renovation, or buying a car, we compare 50+ lenders so you get the right loan at a fair rate.”
Sumit · Director & Senior Loan Specialist
Meet the team
Rohan
Asset Finance
Helping clients secure the right equipment and vehicle finance.
Kathryn
Settlement Liaison
Keeping your settlement on track from application to keys.
Free strategy call - no obligation
We'll call you to discuss what you need and match you to the right option. No obligation.
By submitting, you agree to our privacy policy and terms of service.