Personal Loans Built to beat the big banks.
Don’t just get a loan – get a strategy.
35+
Years of experience
$15,900
NFP pre-tax benefit cap
10 min
Free discovery session
$0
Cost to you for our sourcing
For All Employees
Better rates. Zero hassle.
Getting your finance through NSP is smarter than going directly to a bank. We act as your personal finance advocate.
01
Competitive rates across a lender panel
We don’t offer one rate. We shop our extensive panel of lenders to find a personal loan that beats what the big banks will quote you directly.
02
Expert sourcing for your credit profile
Don’t waste hours comparing fine print. We find the best-fit loan for your specific credit profile and the asset you want to finance.
03
We handle every step
From application through to settlement, NSP manages the entire process – including coordinating with your payroll team to set up deductions correctly from day one.
04
100% independent advice
We work for you, not the lender. Our goal is to find the best deal for your situation – full stop. No commissions influence our recommendations to you.
For All Employees
Flexible finance for life's big purchases.
Our personal loan product is built for real life, not just new cars. If you want it, we can finance it.
Used cars
Perfect for vehicles that don’t fit a standard novated lease. Get the car you want with rates the dealers can’t match.
Caravans & campers
Get ready for the Great Australian Road Trip. Finance your home-away-from-home with confidence.
Motorbikes & leisure
Finance your passion with competitive rates the dealership finance desk can’t touch.
Debt consolidation
Clean up high-interest credit cards into one simple, lower-rate payment and take back control of your finances.
For NFP & Healthcare Employees
Your pre-tax superpower.
If you work for a not-for-profit, charity, or public hospital, you have access to a financial advantage that most Australians simply don’t. NSP can show you how to use it.
ATO-approved benefit
Pay your loan before tax.
Through NSP, you can use your $15,900 Everyday Living Benefit to pay your personal loan repayments from your salary before tax is calculated. The government effectively subsidises your repayments – you only pay the net amount.
Annual tax-free cap
$15,900
Everyday Living Benefit – per employee, per year
Reduce the real cost
Pre-tax dollars mean the government subsidises your loan repayments. You keep more of what you earn every fortnight.
Maximise your cap
Not using your full $15,900 on rent or mortgage? A personal loan for a used car or lifestyle asset is the smartest way to reach your limit
Instant tax savings
Every dollar directed to your loan is a dollar you are not paying income tax on. This can be effective starting from your very next pay cycle.
Ready To Get Started
See your savings in 10 minutes.
Our Discovery Sessions are confidential and obligation-free. We’ll show you exactly what your repayments look like and if you’re an NFP employee, exactly how much tax you’ll save by packaging it through NSP.