Your estimate is anonymous. We don't ask for personal details to show your rate.
*Our fastest settlement on record. Timeframes vary with lender, loan type and how quickly documents are supplied.
We are an authorised credit representative under an Australian Credit Licence. The law says we must make sure any loan we arrange is right for you. Car dealers arranging finance at the point of sale are exempt from that rule, so it doesn't protect you the same way.
| Find a Loan | Dealer finance | Bank direct | Typical lead‑gen sites | |
|---|---|---|---|---|
| Authorised under the NCCP, with a responsible-lending duty to you | ✓ | ✕Exempt | ✓ | ✕varies |
| Works for you, not for one lender | ✓ | ✕ | ✕ | ✕sells your enquiry on |
| Compares a panel of lenders to find your best fit | ✓ | ✕ | ✕ | ✕refers you on, doesn't compare |
| Rate estimate before any personal details or credit check | ✓ | ✕ | ✕ | ✕often captures details first |
| One dedicated specialist, start to settlement | ✓ | ✕ | ✕ | ✕passed to whoever buys the lead |
| Your details stay with us, never sold to third parties | ✓ | n/a | ✓ | ✕shared with multiple buyers |
General comparison of typical industry models, provided for information only. Banks are licensed under the NCCP for consumer credit but generally offer their own products. Dealerships commonly rely on the point-of-sale exemption when arranging finance.
Many lead-generation sites collect your details first and pass them to multiple brokers who buy them. That can mean several unsolicited calls, and sometimes a credit check, before you ever see a rate. We do the opposite: your estimate is instant and anonymous, and you only hear from us if you ask to.
Your estimate is instant and anonymous. If you choose to go ahead, your application is reviewed by a real person, not an algorithm or a call centre.
We believe in being upfront. Here's how we make money, in plain English.
No credit check. No upfront fee. No commitment. Just your number.
Get my instant estimatePrefer to talk? Call 1300 020 060.
No. Your rate estimate is free and instant. We don't even ask for your personal details to show it.
Two ways: the lender pays us a commission, and we charge a brokerage fee for our work. The fee is usually added into your loan, so you don't pay anything up front.
Yes. Once we get you pre-approved, we tell you the exact amount, before you sign anything.
No. Talking to us doesn't lock you in. Getting pre-approved doesn't lock you in either. You're only committed once you sign a contract with us.
No. Getting your estimate doesn't involve a credit check, so your score stays the same.
Your bank only offers its own loans. A dealer usually relies on an exemption, so those licensing rules don't apply to them the same way. We're authorised under the NCCP, we compare lots of lenders, and we work for you.
It's a real estimate based on what you tell us. Your final rate is locked in once a lender checks your full application. We'll always be honest about where you'll likely land.
Everything from a car loan to business loans worth millions. We have a specialist for each type, not a generalist.
Never. One broker handles your loan from start to finish. We don't outsource. We support local jobs.