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Personal & Business Loan Finance

Loan Finance Online helps Australians explore 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.

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Explore loan and finance options from our panel of brokers and lenders.

Smarter Matching Through Pre-Assessment

We're not a 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.

Loan Finance Online Weekly News Wrap

Podcast Cover Image Paige covers how the federal budgets changes to negative gearing and CGT are lifting first‑home buyer confidence and likely cooling price growth, the banks swift pass‑through of the RBA rate rise and tightening risk‑based pricing, the budgets permanent $20,000 instant asset write‑off for small business, and the Oppositions budget‑reply proposals. Practical takeaways: reassess borrowing capacity, compare loans across banks and non‑banks, and align small‑business asset purchases and finance with cash flow while monitoring policy changes.

Business Loan Repayment Calculator

Business Loan Repayment Calculator image

Estimate repayments with our Business Loan Calculator. Compare finance options, tailor loan terms, and plan with confidence for your business growth.

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.

Loan Finance for Any Purpose

We provide tools, tips, information and quotes for a range of loan finance needs through our extensive broker partner network.

Personal Advice

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 loan or finance 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.

Finance Articles

Leveraging Loan Products for Accelerated Financial Freedom
Leveraging Loan Products for Accelerated Financial Freedom
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
Your Guide to Understanding Different Small Business Loan Options
Your Guide to Understanding Different Small Business Loan Options
In the bustling world of entrepreneurship, small business loans often act as the backbone that supports growth and sustainability. Understanding the array of loan options available is imperative for business owners in Australia, ensuring that they can make informed decisions that align with their objectives. - read more
How to Save for Your First Home: Tips for Young Australians
How to Save for Your First Home: Tips for Young Australians
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 Path to Financial Independence: Strategies that Work
The Path to Financial Independence: Strategies that Work
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

Finance News

Equifax's Q1 2026 Report Reveals Surge in High-Risk SME Credit Shopping
Equifax's Q1 2026 Report Reveals Surge in High-Risk SME Credit Shopping
20 May 2026: Paige Estritori
The latest Equifax Business Market Pulse for Q1 2026 has unveiled a notable increase in credit shopping activity among high-risk small and medium-sized enterprises (SMEs) in Australia. This trend suggests that a growing number of sub-prime businesses are actively seeking multiple credit options, potentially indicating financial distress or a pressing need for additional funding. - read more
RBA's Interest Rate Increase Intensifies Mortgage Stress for Australian Borrowers
RBA's Interest Rate Increase Intensifies Mortgage Stress for Australian Borrowers
20 May 2026: Paige Estritori
The Reserve Bank of Australia's (RBA) recent decision to raise the official cash rate to 4.35% on 5 May 2026 has had a significant impact on Australian borrowers, particularly homeowners with variable-rate mortgages. This increase has led to higher monthly repayments, placing additional financial strain on households already grappling with rising living costs. - read more
Understanding APRA's Debt-to-Income Cap and Its Impact on Borrowers
Understanding APRA's Debt-to-Income Cap and Its Impact on Borrowers
20 May 2026: Paige Estritori
In an effort to mitigate financial stability risks, the Australian Prudential Regulation Authority (APRA) has implemented a new policy effective from 1 February 2026, capping the proportion of new residential mortgages with a debt-to-income (DTI) ratio exceeding six times the borrower's gross income at 20% for authorised deposit-taking institutions (ADIs). This measure aims to curb the accumulation of high-risk loans within the financial system. - read more
Reserve Bank of Australia Lifts Cash Rate to 4.35% in May 2026
Reserve Bank of Australia Lifts Cash Rate to 4.35% in May 2026
12 May 2026: Paige Estritori
The Reserve Bank of Australia (RBA) has announced a 0.25 percentage point increase in the official cash rate, bringing it to 4.35% as of May 5, 2026. This marks the third consecutive rate hike this year, following increases in February and March, and returns the cash rate to its February 2025 level before the previous rate-cutting cycle. - read more
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Free Assessment

Loan Amount:
Postcode:

All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.


Knowledgebase
Discount Rate:
The interest rate used to determine the present value of future cash flows, often used in discounted cash flow analysis.

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This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.