Loan Finance Online helps Australians compare real loan and finance options — fast, free, and with an initial eligibility check.
With one simple quote request, we use your answers to perform a quick eligibility assessment and match you with brokers and lenders from our referral panel who are interested in your type of loan. Whether it’s personal finance or business funding, we’ll help you explore smarter options tailored to your profile.
We help you compare loans and finance from our panel of brokers and lenders.
Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.
Smarter Matching Through Prequalification
We're not just another loan comparison website. At Loan Finance Online, we go one step further by running an initial eligibility pre-assessment on your enquiry before sending it to our panel of brokers — meaning you only get matched with loan and finance providers that are more likely to be relevant to you. This helps save time and can reduce the chances of applying for products that don’t fit your profile, supporting more informed borrowing decisions without the confusion or guesswork. Prequalification is a general eligibility check only and is not a loan approval or offer; any final assessment and advice will be provided by your matched broker or lender.
A Full Range of Loan and Finance Options
From personal loans and car finance to commercial lending and equipment loans, our network of specialist finance brokers and Australian lenders can help you explore funding options at competitive rates. All it takes is one easy online form to start comparing options from our participating panel — no hidden fees from us, and no obligation to proceed. Submitting an enquiry through this website does not itself involve a credit check; however, any formal application you proceed with via a broker or lender may include a credit check, which will be carried out only with your consent. Start smart with Loan Finance Online today.
Flexible Solutions for Every Australian Borrower
We work with a wide range of Australian brokers and lenders, each offering different loan products, approval criteria, and risk profiles. Whether you're self-employed, have limited documentation, excellent credit, or are rebuilding your financial standing, there are options available. Our platform supports everything from secured and unsecured personal loans to vehicle finance, startup business loans, and specialist funding — giving you access to finance solutions that suit your unique situation.
Our broker partners will seek to provide you with competitive rates and options available from their panel of lenders, based on your circumstances. Actual rates and product features will vary and not all lenders or products in the market are represented.
Personal Advice
Loan Finance Online does not provide personal financial advice or credit assistance directly. All enquiries, including quote comparisons, credit assistance and any form of personal advice, are provided by a licensed specialist broker or lender, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.
Broker Matching
A specialist Finance Broker or Lender will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your loan quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.
Free service
Our service is free to the public. We may receive a referral fee or commission from your matched broker - regardless of whether you choose to proceed with any of their recommendations. Any fee paid to us by your broker is a general marketing expense and is not directly passed on to you nor added to your loan.
IMPORTANT: Costs and risks of unsecured personal loans
The following information is specific to unsecured personal loans.
Minimum period for repayment 6 months, maximum period 5 years.
The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans.
Longer
term loans for larger amounts may be available for an APR of 15% or lower.
For example, a $1,000 loan over 6 months could require a fortnightly repayment amount of as
much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you
borrowed. This is an illustration only; actual costs will vary between lenders and based on your circumstances.
Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest
rate will be different depending on what you
are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or
truck loan.
Financial independence is a goal that resonates with many Australians. It means having the freedom to make life choices without being overly constrained by financial pressures. In essence, it's about having enough savings, investments, and income to cover your living expenses sustainably, allowing you to enjoy a comfortable lifestyle and secure your future. - read more
In today's fast-paced world, financial literacy is more important than ever. For Australians, being financially literate means confidently navigating through personal finances, investments, and economic changes. It empowers individuals to make informed decisions about their money, which can lead to greater financial security and peace of mind. - read more
Financial independence means having enough income to pay for one's living expenses without relying on a traditional job. In Australia, this concept is not just a dream but a necessity for many who aspire to a life free from financial stress. It offers the freedom to make choices about how you want to live your life, from retiring early to pursuing passions and interests without monetary constraints. - read more
If you're looking to buy your first home, starting to save early is one of the smartest financial moves you can make. By beginning to save when you're young, you give yourself a head start in accumulating the necessary funds to make a deposit on a house. This proactive approach has numerous benefits that extend beyond just having more money in the bank. - read more
The Reserve Bank of Australia (RBA) has announced its decision to keep the cash rate steady at 3.6% during its November meeting, a move that aligns with the expectations of major financial institutions. This decision comes in response to the latest Consumer Price Index (CPI) data, which revealed a significant rise in inflation, prompting the RBA to adopt a cautious stance on monetary policy. - read more
The Australian Prudential Regulation Authority (APRA) has unveiled a new policy aimed at curbing high-risk lending practices within the housing market. Effective from 1 February 2026, banks will be restricted to issuing no more than 20% of new home loans to borrowers whose debt-to-income (DTI) ratio exceeds six times their annual income. This measure applies to both owner-occupied and investor loans, excluding new housing developments. - read more
Westpac Banking Corporation has reported a robust full-year profit of $7 billion, underscoring its strong financial performance in the current economic climate. In a strategic move, the bank has also announced the sale of its RAMS mortgage business for $21.4 billion, a decision that aligns with its focus on streamlining operations and enhancing shareholder value. - read more
The Coalition has announced a proposal to relax home lending rules, aiming to make it easier for first-time buyers to enter the housing market. This initiative focuses on adjusting the Australian Prudential Regulation Authority's (APRA) serviceability buffer, which currently requires banks to assess borrowers' ability to repay loans at an interest rate 3% higher than the actual loan rate. - read more
Mortgage Document: The physical contract agreement that a Mortgagee (lender) enters into with a Mortgagor (borrower) outlining the precice terms of a mortgage loan.
