Magnolia Lane Personal Finance
Consumer Car Loan
A consumer car loan is designed specifically to help individuals purchase a vehicle—whether new or used, dealer sale or private sale. It allows you to borrow the money needed to buy the car and repay it over time.
These loans are usually secured by the car itself, which often means lower interest rates compared to unsecured loans. You’ll agree to a set repayment term (usually between 1–7 years) and make regular payments that include both principal and interest. Payments can be weekly, fortnightly or monthly, depending on your preference and payment cycle.
In addition to cars, a wide range of other vehicles and recreational assets can be funded using the same loan structure. This includes boats, bikes, caravans, trailers, and other recreational assets. Again these can be new or used, dealer or private.
Key Benefits
Own the car from day one
Flexible terms from 1-7 years
Ability to make additional repayments
Little to zero exit fees
Unsecured Lending
Unsecured lending refers to loans that do not require any form of collateral—such as a vehicle or property—to secure the funds. Instead, approval is based on the borrower’s credit history, income, and overall financial profile.
These loans can be used for multiple different purposes, such as debt consolidation, renovations, holidays or unexpected expenses. Funds will be paid directly into your bank account, and repayment cycles can be weekly, fortnightly or monthly.
Key Benefits
Fast approval process
Flexible use of funds
Typically does not require collateral
Little to zero exit fees
Meet the Team
Personal Finance Team
Chris Murray
Head of Partnerships, Magnolia Lane Personal Finance
Chris Murray is Head of Partnerships at Magnolia Lane Personal Finance, where he focuses on building strong, lasting relationships that help clients and partners achieve great outcomes. With a background in consumer and commercial finance, Chris brings both deep industry knowledge and a practical, people-first approach to his work.
Originally from London, Chris moved to Adelaide in 2016 and now proudly calls it home. He holds a degree in Business and Economics, along with a Certificate IV and Diploma in Finance and Mortgage Broking. In 2022, he was honoured to be named FBAA Commercial Asset and Equipment Finance Broker of the Year—recognition for his dedication to tailored, effective finance solutions.
Chris is all about creating genuine connections and working collaboratively to make finance more accessible and straightforward.
When he’s not working, you’ll find him following Arsenal FC, playing cricket in the Adelaide Hills, or walking his dogs along the beach.
Personal Finance Team
James Winnard
Senior Credit Leader
James Winnard is a Senior Credit Leader at Magnolia Lane, bringing over five years of experience in the finance industry, with a strong focus on asset finance and personal loans.
Known for his comprehensive product knowledge and unwavering client-first approach, James is dedicated to achieving the best outcomes for his clients across all their finance needs.
Transitioning from a successful career in the hospitality industry, James has invested in upskilling and professional development, completing both a Certificate IV in Finance and Mortgage Broking and a Diploma of Financial Services. His passion for helping people, combined with his friendly and relaxed manner, allows him to build strong, trusting relationships with his clients.
Outside of work, James enjoys gardening, home cooking, and spending quality time with family and friends. His approachable style, industry knowledge, and commitment to exceptional service make him a valuable member of the Magnolia Lane team.
Personal Finance Team
Nick Jones
Senior Consumer Strategist
Nick Jones is a Senior Consumer Strategist at Magnolia Lane, with seven years of experience in asset and personal loan finance. He specializes in asset lending and is known for his ability to build genuine, long-term relationships with clients. With a strong foundation in consumer finance lending, Nick takes a thoughtful, client-first approach to helping individuals navigate their financial options.
Nick’s professional motto is “Know your client.” Every relationship built is based on discovering what is most important to the client and working on achieving their goals through a friendly, honest and professional approach.
His qualifications include a Certificate IV in Finance, complemented by a background as a qualified Personal Trainer—highlighting his passion for both personal growth and empowering others.
Outside of work, Nick is dedicated to the fitness industry, keeping up to date with the latest movies and spending quality time with his family and friends. His approachable style and strong technical knowledge make him a valuable part of the Magnolia Lane team.
Personal Finance Team
Daniel Bailey
Senior Consumer Strategist
Daniel is an experienced Finance Broker with over a decade of expertise in mortgage and asset finance.
With more than 10 years of experience in sales and customer service roles, Daniel is dedicated to connecting clients with the right financial solutions using the right tools. His personal goal is to simplify the customer journey toward their financial objectives, drawing on his deep knowledge of the finance industry and a talent for crafting innovative, out-of-the-box solutions.
Daniel’s career has seen him work with some of the largest names in the industry. He previously worked for the leading equity release broker in the UK, gaining invaluable experience in that niche market. Later, he spent 6 years at Loan Market Group, Australia’s largest aggregator, with more than 6,000 brokers, where he honed his skills in loan brokering and client service.
Outside of the office, Daniel has a passion for exploring new cultures through travel. After leaving the UK, he travelled extensively across Europe, Asia, and the Americas before settling in Australia.
Personal Finance Team
Steve Letheby
Senior Consumer Strategist
With a career in finance spanning over two decades, Steve Letheby is a seasoned Consumer Strategist at Magnolia Lane Personal Finance. Beginning his journey at Westpac in 1997 and transitioning to asset finance in 2008, he has since honed his expertise in consumer asset finance and personal loans. Known for his meticulous attention to detail and commitment to customer service, he goes above and beyond to secure the best outcomes for every client. When he’s not helping others achieve their financial goals, you’ll likely find him on the tennis court or spending quality time with his grandson.
Personal Finance Team
Ahrielle Weston
Senior Consumer Strategist
Ahrielle Weston is a Consumer Strategist at Magnolia Lane Personal Finance, bringing over six years of experience in the financial industry with a focus on asset and personal loan financing. Known for her deep understanding of credit policies and lending requirements, Ahrielle is dedicated to guiding clients through financial decisions with clarity and care.
She excels in building lasting relationships with customers, combining strategic insight with a personable approach to deliver tailored financial solutions. Her role is centred on helping individuals navigate complex financial landscapes, aligning their personal goals with responsible lending strategies.
Outside of work, Ahrielle enjoys gaming, spending time with friends, camping, and both playing and listening to music—pursuits that reflect her creativity and passion for meaningful connection.