Nothing. Our service is free to you. We're paid a commission by the lender when your loan settles, and we disclose exactly what that is before you sign anything.

No. Getting your options and a quote from us doesn't touch your credit file. A credit check only happens later, if you decide to proceed with a formal application, and we'll always tell you before that happens.

Your bank can only offer you its own products. We compare a panel of Australian lenders and match you to the one that suits your situation, which often means a better rate or an approval your bank would have declined.

Cars and vehicles, business equipment, personal loans, and business lending. If you're not sure which category you fall into, that's exactly what the first phone call is for.

No. Enquiring simply gets you your options. There's no obligation at any stage until you choose to sign loan documents.

It depends on the lender and your situation, but straightforward applications can be approved within 24 to 48 hours. Some lenders can settle within days of approval.

Yes. We work with lenders who specialise in self-employed borrowers, including low-doc options if your financials aren't up to date.

Talk to us before assuming the answer is no. We work with lenders across the full spectrum, and knowing your situation upfront means we only put you in front of lenders likely to say yes.

Usually just ID, proof of income and recent bank statement data. We'll give you a simple checklist once we know which lender fits.

We have access to a broad panel of Australian banks and specialist lenders. Because we're not owned by any of them, our advice is based on what suits you, not who employs us.

You'll get a quick call from us to run through your options, usually the same day. It takes about 10 minutes, and you'll come away knowing exactly where you stand.

Yes. If your rate is high or your circumstances have changed, we can review your current loan and tell you honestly whether refinancing is worth it, and if it isn't, we'll say so.