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Need Help Finding a Loan? Find out if you qualify and compare loan offers, rates & options from multiple lenders - without affecting your credit file!

All finance quotes are provided free and without obligation. We respect your privacy.

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Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance - without accessing your credit file!

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Simply complete our short online loan enquiry form for direct access to a specialist broker or lender who can best accomodate your specific needs and circumstances.

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When you submit an online loan enquiry with us, we match your details instantly against the lending criteria of over 2000 finance professionals across Australia - all competing for your business.

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No credit check

Unlike most online loan websites, submitting your finance enquiry with us does not result in an entry recorded on your credit file. Multiple credit file entries can make it considerably more difficult to obtain a loan and can severely limit your options.

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Warning to Borrowers: 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 $1000 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.

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

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Payday lending is surrounded by confusion and misunderstanding. Critics see high Annual Percentage Rates (APR’s) and deduce that payday lenders are profiting... read more

Is now the right time to refinance your home?
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Finding the Right Home Mortgage Loan
With over 3000 home loans on the Australian market it would be easy to dismiss them as marketing overkill – and you'd probably be right. But many of these... read more

Credit Cards Debt - How to freeze the Plastic Debt Dragon in Your Wallet - Start Living Again
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Choosing a Home Loan Mortgage Broker
There are a number of potential pitfalls in relying on a mortgage broker for the best home loan solution ... particularly given the enormous growth in the broking... read more

Dividends And How To Profit By Them
An interesting thing I found out was that apart from being share trader I have also become a “Dividend Stripper.” I shall explain this further as... read more

Home Loans: Hot tips for borrowers
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5 Credit Killers
A good credit score speaks volumes about your financial habits. It's the evidence most creditors need to evaluate your credit worthiness. read more

Buying a home when rates go up
When rates go up, opportunities abound. You see, many homeowners, builders, and developers, find themselves in more negotiable positions because of the laws... read more

Finance News

Personal Loans to help Australians in need: FSO
Oct 29 :: As Australia prepares to clean up following devastating fires and floods, Financial Services Online CEO, Andrew Clark, has announced a package of personal finance... read more

Small business loans to help Aussie businesses through tough times
Nov 27 :: Financial Services Online has today announced a new credit facility for Australian business customers who are seeking loans for amounts of up to $10,000 with... read more

Police issue warning about bank scam
Nov 20 :: Melbourne police are warning people about a scam in which fraudsters pose as bankers and ask for money.They say they cold call customers and tell them... read more

Need Help Finding a Loan?

Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check!

Knowledgebase

Mortgage:
A loan in which the borrower (the mortgagor) offers a property and land as security to the lender (the mortgagee) until the loan is repaid. Repayments of the loan are usually made on a monthly basis over a long period of time, typically 25 years.

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IMPORTANT: We are neither authorised nor licensed to provide finance or finance products. We do not recommend any specific financial products and we do not offer any form of credit or other financial advice. All product enquiries and requests for financial and/or other advice on this website are referred to third party, qualified intermediaries with whom you can deal directly. 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 part 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.