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Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8am - 6pm Friday 8am - 6pm Saturday 8am - 5pm

Bizi Loans

www.biziloans.com.au
Bizi Loans is a wholly Australian owned and operated finance broking company

www.biziloans.com.au

The company was founded by Gary Marshall who has over 40 years alone in the finance industry together with a team of excitable, experienced team of brokers there is over 100 years of collective experience. Our mantra is Fast, Simple, Competitive and the goal of our whole team is to provide not only fast approvals and exceptional product knowledge but just plain and simple great deals for our customers. It is not about loans for us, it is providing a customer experience which is unsurpassed and establishes relationships with our clients which we hope are for life.

10/09/2026

Upgrading to an electric vehicle requires a higher initial outlay, but calculating the actual return on investment comes down to daily running costs. With petrol prices fluctuating between $1.85 and $2.10 a litre, a standard petrol car costs anywhere from $14.80 to $16.80 to drive 100 kilometres.

Charging an EV on a standard off-peak home or depot tariff sits around 18 cents per kilowatt-hour. That brings your running cost down to just $2.88 for the exact same 100-kilometre journey. Relying exclusively on public fast chargers pushes that cost closer to $11.20 per 100 kilometres, which eats into your potential savings.

Structuring your personal or commercial finance around these ongoing savings often offsets the higher purchase price over a standard five-year loan term. Factoring in reliable home charging capabilities ensures your cash flow actually reaps the financial rewards of going green.

08/09/2026

Planning a weekend road trip? Before you hit the highway, take five minutes to check your tyre pressure. It sounds like a minor detail, but driving on under-inflated tyres significantly increases rolling resistance, meaning your engine has to work much harder just to keep you moving at the speed limit.

Over a long drive, that extra effort quietly burns through your petrol budget. Keeping your tyres pumped up to the manufacturer's recommended level ensures you get the best possible fuel economy out of your car.

It is a simple, zero-cost habit that keeps your travel expenses low and your personal cash flow protected while you are out exploring.

05/09/2026

Interest rates have shifted a lot recently, making it the perfect time to review your personal car or asset loans. As of August 2026, the average secured car loan rate for prime borrowers is sitting around 7.48% to 7.65%. However, if you have a strong credit history, competitive new car loans are actually starting from around 5.66%.

If you set up your finance a while ago, you might be paying a much higher rate than you need to. Taking the time to review and refinance your current loans can unlock a much better interest rate and significantly reduce your monthly repayments.

A quick rate check is a simple but powerful way to free up your personal cash flow and keep your finances working hard for you.

03/09/2026

Taking care of your car day to day makes a massive difference when it comes time to trade up or sell. A few easy habits right now can protect thousands of dollars in resale value down the track.

1️⃣ Keeping a fully stamped logbook service history is easily the biggest factor, as prospective buyers want clear proof the vehicle was well looked after.

2️⃣ Storing your car in a garage or under a shade cover stops harsh UV rays from fading the paint and cracking the interior trim.

3️⃣ Touching up minor paint chips and small parking dents quickly prevents rust from taking hold.

Treating your car like a valuable asset rather than just daily transport ensures you get top dollar when you are ready for your next vehicle upgrade.

01/09/2026

Choosing between an offset account and a redraw facility on your personal loan or mortgage can feel a bit confusing, but they work quite differently in practice.

An offset account functions just like a normal everyday transaction account linked to your loan. Every dollar sitting in it reduces the amount of interest you pay daily, and you can withdraw your cash instantly using a debit card whenever you need it for bills or daily expenses.

A redraw facility, on the other hand, lets you put extra cash directly into your loan balance. While it still reduces your interest charges, getting that extra cash back out can sometimes take extra processing time, carry transaction fees, or come with minimum withdrawal limits depending on your lender.

If you value instant access to your emergency cash, an offset account usually offers far better flexibility. But if you want to keep extra savings out of sight so you are not tempted to spend them, a redraw setup might be the smarter choice for your budget.

29/08/2026

Draining your hard-earned savings account to buy a vehicle outright feels like a massive win on paper because you avoid paying interest. But completely wiping out your liquidity can actually leave you in a pretty vulnerable spot.

Holding onto a solid cash buffer gives you a safety net for life's unexpected surprises or for investments that could yield much higher returns than a low-rate loan costs. Spreading the vehicle cost over a manageable loan keeps your day-to-day cash flow healthy while protecting your savings.

Smart personal finance is all about flexibility. Keeping your money working for you in the background often beats tying up all your cash in a depreciating asset on day one.

27/08/2026

Cat parents get it. 😆

25/08/2026

With the cost of living biting hard, it is getting pretty common to see people turning to wage advance apps to bridge the gap between paydays. A 2025 report found that a massive 52% of Australian full-time office workers have used pay-on-demand services or short-term cash advances to get by.

While these apps let you tap into your own earned money for a flat fee rather than taking on traditional debt, relying on them can quietly damage your borrowing power. When you apply for a personal loan, car finance, or a mortgage down the track, lenders look very closely at your bank statements. Seeing frequent wage advance transactions is often treated as a major red flag that your personal cash flow is under pressure. On top of that, those sneaky withdrawal fees can easily add up to hundreds of dollars over a year.

If you are facing a tight fortnight, picking up the phone to set up a direct payment plan with your utility or service provider is usually a much smarter move. It keeps your credit profile clean and ensures your future borrowing options stay wide open.

22/08/2026

It is so easy to feel completely overwhelmed when you are juggling multiple debts. Trying to keep track of different interest rates, due dates, and terms and conditions is stressful, and it can put a huge strain on your weekly budget.

Debt consolidation is one of the smartest ways to take back control. It basically means rolling all of your smaller debts into one single loan. Not only does this leave you with just one easy payment to remember, but you can usually lock in a much lower interest rate than what you are currently paying.

Lending criteria do apply, so it is always best to speak to a broker about your specific situation. The Bizi Loans team can walk you through the entire process from start to finish and help you find a deal that actually works for your budget!

20/08/2026

When it is time to upgrade your company vehicles or work utes, deciding how to move on your old assets is a critical decision. While selling privately often promises a slightly higher purchase price on paper, trading in through a dealer comes with distinct commercial advantages.

A private sale requires staff time, advertising costs, detailing, and endless back-and-forth negotiations with potential buyers. For a busy business owner, every hour spent managing a vehicle sale is an hour away from revenue-generating work.

Trading in your commercial vehicle allows you to offset the value directly against your new asset finance structure, reducing your total loan amount instantly. It eliminates vehicle downtime, cuts out administrative headaches, and keeps your operations running without missing a beat.

Calculating the true cost of lost productivity often proves that the speed and convenience of a dealership trade-in delivers a far better return for your overall bottom line.

Address

6a Baretta Road
Wanneroo, WA
6065

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 5pm

Telephone

+611300249400

Website

http://www.biziloans.com.au/

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