Personal Finance
Finance for life outside of work.
Cars, caravans, boats, bikes and everything in between — one application, compared across 80+ lenders, matched to your profile. Pick what you're financing:
How personal finance works through a broker.
Whatever you're financing, the mechanics are the same: you make one application with us, we compare it across a panel of 80+ banks and non-bank lenders, and we place it with the lender offering the sharpest rate and the best policy fit for your profile — then manage it through to settlement.
The rate you're offered is driven by your credit profile, your income and commitments, the asset and its age, and the loan term. Secured loans (where the car, boat or bike backs the loan) typically price sharper than unsecured personal loans — but unsecured suits older assets, private purchases that are hard to secure, or borrowing that isn't tied to an asset at all.
Because every lender reads a profile differently, the spread between the best and worst offer for the same person can be significant. That spread is the whole reason a broker exists — and why getting a quote through us never costs you a credit enquiry until you choose to proceed.
Choosing the right product
Choose this for any car purchase — dealer, private or refinance.
Used car finance →Choose this when the car is older or coming from a private seller.
Personal loans →Choose this when the borrowing isn't tied to an asset.
Debt consolidation →Choose this to roll several repayments into one.
Caravan finance →Choose this for caravans and camper trailers, new or used.
Borrowing power calculator →Not sure of your budget yet? Start with an estimate.
Personal finance questions, answered.
Your bank can only offer its own products, priced its own way. We put the same application to a panel of 80+ banks and non-bank lenders and place it with the one offering the sharpest rate and best fit — your bank included, if it wins.
No. We assess your options first and only lodge a formal application — which is when a credit check happens — once you're happy to proceed with a specific lender.
Most straightforward applications get a decision the same day, with funds typically landing within 24 to 72 hours of approval, depending on the lender and paperwork.
Often, yes — different lenders read a credit file very differently, and part of our job is knowing which ones look past a rough patch. We'll always give you an honest read on what's realistic before anything is lodged.
Secured loans use the asset (like the car) as security and generally price sharper; unsecured loans cost a little more but suit older assets or borrowing without security. We'll compare both across the panel for your situation.