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Finance enquiries · Australia-wide

Borrow properly, or don't borrow at all

We take one set of details and put it to the lenders on our panel most likely to fit your circumstances — for consolidation, a vehicle, a home, or the business. And if borrowing isn't the right move, we'll say so.

  • One enquiry, assessed across a panel of bank and non-bank lenders
  • Written for borrowers of $10,000 and above
  • No credit check to enquire, and no obligation to proceed
  • Held under Australian Credit Licence 390923
Start an enquiry See loan types

What lenders look at

  • You're 18 or over and an Australian citizen or permanent resident
  • You have some regular income — from work, self-employment, superannuation, investments or a pension
  • You're borrowing an amount you can service comfortably — most of our panel starts around $10,000
  • You can comfortably meet the repayments alongside your existing commitments

Every lender on the panel weighs these differently, so none of it is a fixed cut-off — send the enquiry and we'll tell you honestly what is and isn't available. If money is already tight, the National Debt Helpline offers free, independent financial counselling, with nothing to sell you.

Tell us what you need

Takes about two minutes. No credit check.

Step 1 of 3

What do you need finance for?

Roughly how much?

Rough figure is fine. We'll confirm what's realistic once we know your situation.

Your work situation

Gross income before tax all ranges accepted

Your credit history optional

Where do we send it?

Lenders need your date of birth and postcode to check what's available to you. Nothing here runs a credit check.

Add a note (optional)

No credit check is run and you are not committing to anything. This is an enquiry, not an application for credit.

What we arrange

Personal, property and commercial lending

Nine categories, one panel, one enquiry form. Pick the closest match — if you're not sure, choose the nearest and tell us the rest in the message field.

Debt consolidation loans

Roll credit cards, personal loans and BNPL balances into one repayment.

$10,000 – $150,000

Personal loans

Fixed-term finance for a defined purpose, secured or unsecured.

$10,000 – $100,000

Car loans

New, used, dealer or private sale — secured against the vehicle.

$10,000 – $150,000

Home loans

Purchase, refinance and investment lending across a bank and non-bank panel.

From $150,000

Home renovation loans

Fund a renovation without refinancing the whole mortgage.

$10,000 – $250,000

Business loans

Working capital, expansion and cash-flow finance for ABN holders.

$10,000 – $500,000

Equipment finance

Plant, machinery, tools and technology, secured against the asset.

$10,000 – $500,000

Truck and trailer finance

Prime movers, rigids, trailers and yellow goods for operators.

$20,000 – $500,000

Boat and marine finance

Trailer boats, cruisers, jet skis and marine refinance.

$10,000 – $250,000

How it works

Three steps, and you can stop at any of them

You tell us the position

Income, what you need, what it's for. Two minutes, and no credit check is run at this stage.

We match it to the panel

We identify the lenders whose policy actually fits your circumstances, and come back to you with what's realistic.

You decide, or you don't

If you want to proceed, we help you apply and a credit check is run with your consent. If not, nothing happens.

Why go through a panel

Two lenders, the same income, different answers

Lending policy varies more than pricing does. One lender counts your overtime, another doesn't. One accepts twelve months of self-employed returns, another wants two years. Going to a single lender means accepting a single view of your situation.

Policy fit first

We look at which lenders will accept how you actually earn — not just who is advertising the sharpest headline this month.

Both sides of the market

Bank and non-bank lenders sit on the panel. Where a lender declines on policy rather than price, there is often an alternative that doesn't.

One credit footprint

Applying to five lenders individually leaves five enquiries on your file. Going through us doesn't.

Clear about the trade-offs

Longer terms lower the repayment and raise the total cost. Secured prices better but puts an asset at risk. We spell both out.

Business lending too

Working capital, equipment, trucks and marine, alongside the consumer side. Different rules apply, and we explain which.

A real answer, including no

If the numbers don't work, we tell you rather than pushing an application through and letting the lender do it for us.

Rates and fees

What it costs

Unsecured

Interest rate 6.99% – 24.99% p.a.
Comparison rate 7.34% – 25.41% p.a.
Establishment fee
$250
Monthly fee
$0
Early repayment fee
$0
Repayment period
12 to 84 months
Repayment frequency
Weekly, fortnightly or monthly

Maximum comparison rate: 25.41% p.a.

Representative example. An unsecured loan of $30,000 over 60 months at 13.99% p.a. (comparison rate 14.37% p.a.), including the $250 establishment fee, means repayments of $703.71 per month and a total amount payable of $42,222.

Rates and examples on this page were last reviewed on . They are indicative of our lender panel and are not an offer of credit. Your actual rate depends on the lender's assessment of your circumstances.

Secured

Interest rate 5.99% – 18.99% p.a.
Comparison rate 6.26% – 19.30% p.a.
Establishment fee
$195
Monthly fee
$0
Early repayment fee
$0
Repayment period
12 to 84 months
Repayment frequency
Weekly, fortnightly or monthly

Maximum comparison rate: 19.30% p.a.

Representative example. A secured loan of $30,000 over 60 months at 10.99% p.a. (comparison rate 11.29% p.a.), including the $195 establishment fee, means repayments of $656.14 per month and a total amount payable of $39,368.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a loan of $30,000 over a 5 year term.

Rates shown are the range available across our lender panel. The rate you are offered depends on your credit profile, income, the loan amount and term, and whether the loan is secured. Not every applicant will qualify for the minimum rate. All applications are subject to the lender's assessment and credit criteria.

Estimate

What would the repayments be?

Monthly repayment $0
Total repayable
$0
Total interest
$0
Establishment fee
$250

Estimate only. This is not a quote or an offer of credit. Figures include the $250 establishment fee and assume principal-and-interest repayments at the rate selected. Your actual rate is determined on assessment.

Before you borrow

Worth saying plainly

Credit is a tool with a cost. It works when it funds something that either holds value or resolves a more expensive problem — consolidating high-rate card debt, buying a vehicle you need for work, funding equipment that earns.

It works badly when it covers a gap that will still be there next month. If you're borrowing to meet regular living expenses, another loan makes the position worse, not better. That's not a sales position, it's arithmetic.

If that's where you are, the National Debt Helpline provides free, confidential financial counselling with no product attached, and ASIC's Moneysmart has independent guidance on managing debt. Neither costs anything.

Ready when you are

One form, two minutes, no credit check. We'll come back to you with what the panel can realistically do.

Start an enquiry