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Help

All of your finance questions, answered.

Welcome to our help page. From understanding different types of loans to navigating the application process, we’ve got you covered. And if you have any more questions or need personalised guidance, don’t hesitate to reach out. Our team at Perseus Finance is always here to provide you with the clarity and support you need to make informed financial decisions. Can’t see an answer to your question? Just contact us!

What types of finance services does Perseus Finance offer?
Perseus Finance offers a wide range of financial solutions including vehicle finance, business loans, personal loans, marine finance, and machinery & equipment finance.

How do I apply for finance with Perseus Finance?
Applying is simple. Visit our ‘Apply Now’ page, fill out the application form, or contact us directly for a more personalised service.

What documents do I need to provide for a finance application?
Typically, we require proof of income, identification documents, and details about the asset you wish to finance. Additional documents may vary based on the type of finance.

Can I finance a used vehicle or equipment with Perseus Finance?
Yes, we provide financing options for both new and used vehicles and equipment.

How long does it take to get finance approval?
Approval times can vary, but we aim to process applications swiftly. Usually, decisions can be made within a few business days, provided all necessary documents are submitted.

Are there any penalties for early repayment of a loan?
This depends on the terms of your specific finance agreement. Some loans may allow early repayment without penalties, while others might have early settlement fees.

How is the interest rate for a loan determined?
Interest rates are determined based on various factors including the type of loan, your credit history, and market rates. We strive to offer competitive rates suited to your financial situation.

Can I apply for finance if I have a poor credit history?
We assess each application individually. A poor credit history doesn’t automatically disqualify you, as we consider multiple factors in our decision-making process.

What is the maximum loan term offered by Perseus Finance?
Loan terms vary depending on the type of finance. Generally, terms can range from 1 to 7 years, but we can provide specific details based on your chosen finance product.

How can I contact Perseus Finance for more information?
You can reach us via phone, email, or our website contact form. Visit our ‘Contact Us’ page for all our contact details.

Step 1: Initial Research and Contact

  • What Happens: Begin by exploring the Perseus Finance website to understand the various finance options available.
  • Action Required: Determine which type of finance (e.g., vehicle, business, personal loan) suits your needs. Contact us for any initial queries.

Step 2: Consultation

  • What Happens: Have a consultation with one of our finance experts.
  • Action Required: Discuss your financial needs, budget, and preferences. This helps us understand your requirements and advise on suitable finance options.

Step 3: Application Submission

  • What Happens: Complete the finance application process.
  • Action Required: Provide necessary documents and information, such as proof of income, identification, and details about the asset or purpose of the loan.

Step 4: Application Assessment

  • What Happens: Perseus Finance reviews your application.
  • Action Required: Be available for any additional information or clarification needed during this stage.

Step 5: Approval and Offer

  • What Happens: Receive approval and a finance offer from Perseus Finance.
  • Action Required: Review the terms of the offer, including interest rates, repayment schedules, and any other conditions.

Step 6: Acceptance of the Offer

  • What Happens: Once you accept the offer, the finance agreement is formalised.
  • Action Required: Sign the finance agreement and any other necessary paperwork.

Step 7: Disbursement of Funds

  • What Happens: Funds are disbursed as per the agreement.
  • Action Required: If the finance is for an asset like a vehicle or equipment, proceed with the purchase. For other loans, use the funds as planned.

Step 8: Repayment Begins

  • What Happens: The repayment of the loan starts as per the agreed schedule.
  • Action Required: Ensure timely repayments as per the agreed terms to avoid any penalties or fees.

Step 9: Support and Management

  • What Happens: Ongoing support and management of your finance.
  • Action Required: Contact Perseus Finance for any support needed during the tenure of your finance or for any refinancing needs.

APR (Annual Percentage Rate): The annual rate charged for borrowing or earned through an investment, representing the actual yearly cost over the term of a loan.

Asset Finance: A financing type used by businesses to obtain equipment, vehicles, machinery, or other assets necessary for business operations.

Credit Score: A numerical expression based on a person’s credit file analysis, representing their creditworthiness.

Debt Consolidation: Combining several loans or liabilities into one loan, often with more favorable payoff terms such as a lower interest rate.

Equity: The difference between the value of assets and the value of liabilities of something owned.

Fixed Interest Rate: An interest rate on a liability, such as a loan or mortgage, that remains constant for either the entire loan term or a part of it.

Guarantor: A person or entity responsible for another’s debt or contract performance if the latter fails to pay or perform.

Lien: A legal right or interest a lender has in the borrower’s property, lasting until the debt obligation is satisfied.

Principal: The original sum of money borrowed in a loan, or the remaining loan amount.

Refinancing: Replacing an existing loan with a new loan, typically to secure a lower interest rate or consolidate other debts.

Secured Loan: A loan where the borrower pledges an asset (e.g., a car or property) as collateral.

Unsecured Loan: A loan issued and supported only by the borrower’s creditworthiness, without any collateral.

Variable Interest Rate: An interest rate that fluctuates over the loan duration, changing as market interest rates vary.

Working Capital: The capital used in a business’s day-to-day trading operations, calculated as current assets minus current liabilities.

Amortisation: Spreading out a loan into a series of fixed payments over time, with each payment covering both the principal and interest.

We make getting finance super simple.

1. Tell us what you need.

Start by getting in touch with us. Tell us what you want to finance and how much you need to borrow so we can understand your goals.

2. We’ll tailor a solution.

Our experts craft a customised finance solution for you. We’ll present you with the most competitive and suitable offers.

3. Approval & funding.

Once you choose the best finance option, we’ll help you through the quick approval process and get you your funding.
  • Efficient & Transparent Approval: Expect swift and straightforward processing.
  • In-depth Finance Expertise: Our team’s extensive knowledge at your service.
  • Low-doc Approvals Possible*: Simplified paperwork for eligible businesses.
  • No Initial Deposit Necessary*: Start financing with more cash in hand.
  • Competitive Interest Rates: Access to some of the best rates in the market.
  • Streamlined Application: No unnecessary paperwork or delays.
  • Cost-effectiveness: Tailored solutions to optimise your financial outlay.
  • Client-Centric Relationships: Your business goals are our top priority.
  • Ongoing Support: We’re here for you, from your first vehicle to your entire fleet.
  • Recognised Excellence: Proudly serving as an award-winning finance broker.

*Conditions apply. Credit approval is subject to assessment.

5.0
Based on 73 reviews
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JemmmsyJemmmsy
04:24 14 Apr 24
Kaan PaydasKaan Paydas
09:03 25 Mar 24
We purchased a spiderlift for our tree businessThe guys were a pleasure to deal with from start to finish making the entire process very seamless. Highly recommend Khalil and his team.
Scott JohnstonScott Johnston
05:00 20 Mar 24
Shane HicksShane Hicks
01:21 01 Mar 24
They get the job done when nobody else can!
Lobsang Rampa SnellLobsang Rampa Snell
06:18 28 Feb 24
Dear Tallon, Khalil, and the Perseus Finance Team,I wanted to express my sincere gratitude for the outstanding service you provided throughout my car loan process. From the very beginning, your assistance has been invaluable. Tallon and Khalil, your attentive approach, understanding of my needs and preferences, and the personalised advice and multiple options you provided made all the difference in ensuring I could make the best decision for my situation.Your dedication to guiding me through every step of the process was commendable, making what could have been daunting remarkably smooth and stress-free. Your professionalism and genuine care, Tallon, Khalil, and the entire team, were evident in every interaction, and it’s clear you prioritise the well-being and satisfaction of your clients.In conclusion, I wholeheartedly recommend Perseus Finance to anyone in need of loan assistance. Thank you for your exemplary service and for making the process both efficient and reassuring. I look forward to continuing our relationship in the future.Warm regards,Lobsang Rampa Snell
jason leckiejason leckie
02:57 21 Feb 24
My own broker wasn’t able to find me a Car loan and my partner referred me to Perseus Finance and Perseus where immediately confident in finding me a $30,000 loan.Constant updates and questions were immediately answered and ultimately my issues were resolved.A job very well done 🤝
Jarred TillettJarred Tillett
08:52 13 Feb 24
Tallon did a great job communicating with us throughout the process; via text, phone calls, and messages. he kept us updated on the timeline and things we needed to accomplish.
Exceptional service. Kept us in the loop with everything every step of the way. Would highly recommend for all of your financial needs
Chris JenkinsChris Jenkins
23:36 22 Jan 24
I was liaising with Khalil throught the process of selling my vehicle. Khalil's communication was fantastic and made the process simple. Thank you to all the team at Perseus Finance.
Suzanna VellaSuzanna Vella
04:02 20 Jan 24
My husband and I dealt with Christelle to get our car loan, she was absolutely lovely, very helpful and answered all our questions. Christelle was very easy to communicate with and we highly recommend!
Benjamin ChuaBenjamin Chua
22:45 15 Jan 24
Christelle was very quick, helpful and professional! ❤️
LiteLite
02:50 06 Dec 23
I cannot speak highly enough of the exceptional team of finance brokers at Perseus Finance. From the moment I engaged their services, I was astounded by their commitment to transparency, communication, and promptness.Throughout the entire process, I was well-informed at every step. Their dedication to keeping me updated and involved made me feel confident and secure in their expertise.One aspect that truly stood out was their remarkable efficiency. They not only informed me promptly but also managed to expedite the process efficiently, ensuring that the money I required was delivered promptly.Their professionalism, coupled with their ability to deliver on their promises, left an unforgettable impression on me. The team at Perseus Finance have set a benchmark for excellence in their field. I am genuinely grateful for their guidance, support, and the seamless experience they provided.Without hesitation, I would highly recommend Perseus Finance to anyone seeking financial services. They have exceeded all expectations and have proven themselves to be consummate professionals who genuinely care about their clients' needs.Thank you, Khalil and team, for your outstanding service and for going above and beyond.
Jason JohnstonJason Johnston
22:27 01 Nov 23
Very easy deal with and great people communication between client and owner is great!
Nathan IirilliNathan Iirilli
23:22 09 Aug 23
Amazing! If you need financing you have to talk to this team. The team at Perseus Finance did all the hard work for me. They listened to what was suited to me, and not only did they find the right finance, they presented me with several options. And it was less than I had budgeted! They explained everything well, answered all my questions and communicated well. I felt like I could completely trust them with my purchase. I know from now on if I need financing it's easy - I just go to Perseus Finance!
Jason DiBitettoJason DiBitetto
00:23 26 Jul 23
Definitely the best in the business super friendly and professional. Return customer and the experience only gets easier every time.Thanks for everything
C KimC Kim
01:18 17 Jul 23
Khalil and his team have been amazing! The whole process was seamless and fast! Most importantly, I got the best rate in the market. I will be coming back for future car loans. Highly recommend Perseus Finance.
Steve ThompsonSteve Thompson
22:40 02 Jul 23
The team at Perseus have been great to work with from the initial conversation up to settle of the approval/payment. I will definitely be working with them again in the future.
Khalil and his team did an awesome job getting my car loan over the line! Really appreciate their hard work! Definitely recommend to others!
Matthew RomeoMatthew Romeo
04:33 29 Apr 23
Dealing with Tallon and Khalil was a pleasure. They were easy to work with and I never had to follow up with them once. They took the time to explain everything in detail and genuinely seemed like they had my best interest.
Suzy BadawiSuzy Badawi
03:53 30 Mar 23
Khalil and his team were very professional and helpful. They were able to organise our finance in 24 hours with minimal hassle. I could not have asked for a better or more seamless experience. Thank you for making this such an easy process.
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Ready to get your finances sorted?

Easily request a quote or apply online and we’ll call you back within 24 hours.
Address
Level 17/123
Pitt St, Sydney
NSW 2000
Monday to Friday
9 am–5 pm
Saturday & Sunday
Closed

Perseus is your fully accredited & trusted finance partner.