Estimated repaymentCar & vehicle loans
$615/month$142/wk
Borrowed $30,000Interest $6,930
Dealer, private sale or Marketplace: your broker compares lenders and brings back a loan built around your budget.
Australian owned
Borrow smarter. We’ll handle the rest.
Car, home, business or something in between. A specialist broker compares lenders, negotiates on your behalf and works to find you the best deal for your situation, all the way to settlement.
- Free to use
- Soft enquiry to start
- One broker, start to finish
60+lenders compared
$0to use our service
1dedicated broker, start to finish
Step 1 of 4About 2 minutes
What are you financing?
Pick one to start. Your broker takes it from there.
No impact on your credit scoreSee all options →
Your broker compares lenders including
- Pepper Money
- Liberty
- Latitude
- Judo Bank
- Plenti
- Wisr
- MoneyMe
- SocietyOne
- Firstmac
- Resimac
- RACV
- Money3
- Prospa
- OnDeck
- Grenke
- FleetPartners
- Alex Bank
- Metro Finance
- Moula
- Bizcap
- ScotPac
- Earlypay
- Dynamoney
- Shift
- Affordable
Car Loans - AFS
- Angle Auto
Finance - Angle
Commercial - AMMF
- AutoPay
- Biigga
- Branded Financial
Services - C1
- Capital
Finance - Carstart
- CFI
- Finance One
- Forward
Finance - Funds Now
- Gamma Duo
- Group &
General - Hejaz Auto
- Lumi
- MoneyPlace
- Moneytech
- Morris
Finance - Multipli
- NOW Finance
- OMM
- Rapid Loans
- Selfco
- The Asset
Financier - UME
- Yellowgate
Most requested
Where most of our clients start
Slide to estimate your repayments, then get real quotes with your numbers already filled in. More tools on our calculators page.
Estimated repaymentHome loans
$3,675/month$848/wk
Borrowed $600,000Interest $722,933
First home, next home, investment or refinance. Your broker compares lenders and handles it all to settlement.
Estimated repaymentMachinery & equipment finance
$1,242/month$287/wk
Borrowed $50,000Interest $9,610
From coffee machines and IT to medical gear and workshop machinery: spread the cost over the asset’s working life.
Example rates only: not comparison rates, quotes or offers of credit. Excludes fees. Your broker will show you real offers.
Calculators
Free calculators for every step
Borrowing power, stamp duty, refinance savings and more. No credit check. All calculators
Borrowing powerHow much could you borrow?Loan repaymentsWeekly, fortnightly or monthly repaymentsCar & asset financeRepayments with a balloon paymentStamp dutyTransfer duty in every stateHome loan offsetInterest and time an offset could saveRefinance savingsWhat switching to a lower rate could saveDebt consolidationRoll your debts into one repaymentBudget plannerWhere your money goes each month
See all 8 calculators Why use a broker
Same lenders. More choice. Less legwork.
A bank shows you its own loans. A broker compares a panel of lenders and does the running around.
One applicationMany lenders comparedUsually no fee to you
Start my quote Free · About 2 minutes · No credit score impact
| Topic |  With us | Going direct |
|---|---|---|
| Choice | A broad lender panel, compared in one go | One lender’s products |
| Paperwork | One enquiry. Your broker handles forms and follow-ups | New forms for every lender |
| Credit file | Assessed first, so you apply where you’re likely to be approved | Several applications, several enquiries |
| Pricing | Knows lender policies; can ask for sharper pricing | You negotiate alone |
| Tricky situations | Self-employed, new ABN or credit issues? Specialists know who says yes | One “no” and you start again |
| Whose side | Yours. For home loans, the law requires them to act in your best interests | Bank staff sell their bank’s loans |
| Cost to you | Usually nothing. Our referral fee never comes from you | Same lender rates and fees |
How it works
From first chat to funds in four steps
One specialist broker, start to finish. You’ll always know what’s next.
- 1
Tell us what you’re after
A few quick questions online or by phone. No documents or credit check to start.
Takes 2 minutes - 2
Meet your broker
We match you with a specialist partner broker, who calls to learn your situation, budget and priorities.
Usually 1 business day - 3
Compare and choose
Your broker shortlists lenders and lays out rates, fees and repayments in plain English. You choose.
Side by side - 4
We handle the rest
Your broker handles the application, the lender and the paperwork until funds are paid.
To settlement
Lender panels
Major banks, specialist lenders and everyone in between
Some lenders suit first-home buyers; others suit tradies, farmers or a credit hiccup. Our partner brokers know which is which, and send your application where it fits best.
- Pepper Money
- Judo Bank
- MoneyMe
- Resimac
- Prospa
- FleetPartners
- Moula
- Earlypay
- Affordable
Car Loans - Angle
Commercial - Biigga
- Capital
Finance - Finance One
- Gamma Duo
- Lumi
- Morris
Finance - OMM
- The Asset
Financier
- Liberty
- Plenti
- SocietyOne
- RACV
- OnDeck
- Alex Bank
- Bizcap
- Dynamoney
- AFS
- AMMF
- Branded Financial
Services - Carstart
- Forward
Finance - Group &
General - MoneyPlace
- Multipli
- Rapid Loans
- UME
- Latitude
- Wisr
- Firstmac
- Money3
- Grenke
- Metro Finance
- ScotPac
- Shift
- Angle Auto
Finance - AutoPay
- C1
- CFI
- Funds Now
- Hejaz Auto
- Moneytech
- NOW Finance
- Selfco
- Yellowgate
60+lenders across our partners’ panels
Client stories
In their words
★★★★★
“Sorted my car loan in a day. Way easier than ringing around banks myself, and the rate was better than my own bank offered.”
Ready? It takes about two minutes.
Free, no obligation, and no impact on your credit score.
Start my quote“As a new sole trader I thought I had no chance. My broker found a lender who looked at my trade history, not just my ABN date.”★★★★★ · Ute finance customer
“They told me straight that consolidating would save me money and exactly how much. No pressure, just clear numbers.”★★★★★ · Debt consolidation customer
Sample reviews shown for layout. Replace with your verified Google reviews before launch.
Good to know
Quick answers
Does comparing lenders affect my credit score?
No. Getting matched with a broker and an initial indication of what is available does not require a credit enquiry. A credit check only happens once you decide to apply with a specific lender.
Is there any cost to use The Finance Club?
No. Our service is free. Brokers are generally paid a commission by the lender when a loan settles, and we may receive a referral fee from the broker. If a fee applies to your loan, your broker will tell you in writing before you proceed.
How does The Finance Club work?
We’re a referral service. We pass your enquiry to a specialist broker from our partner network, who compares lenders and helps you apply. Brokers are usually paid a commission by the lender once the loan settles, not a fee charged to you. Your broker will explain exactly how a given deal is structured before you proceed. You can read more in our credit guide.
How long does approval take?
It depends on the loan. Some lenders can give an answer on car, personal and business finance quickly once your documents are in. Home loans take longer, and your broker will keep you updated at every stage.
Guides
Read before you borrow
Business finance · 5 minChattel mortgage vs hire purchase vs lease: what’s the difference?Three common ways to finance a business vehicle or asset, and why the structure you choose affects ownership, cash flow and tax. What a broker actually does that a bank branch won’t4 minFive things that move your loan rate more than your credit score4 minLet’s find your loan
Two minutes online, or talk to us now. No pressure, no obligation.