Frequently Asked Questions

Many of our lenders offer same-day approvals. Once you submit your application, we work quickly to match you with the right lender. In many cases, you could have an approval within hours, not days.

Your initial enquiry with us does not affect your credit score. We only conduct a credit check with your permission when we submit your application to a lender. We're transparent about every step of the process.

Typically, you'll need proof of identity (driver's licence or passport), proof of income (recent payslips or tax returns), and bank statements. Our team will guide you through exactly what's needed based on your situation.

Our brokerage fee is built into your loan and only payable when your loan settles - there are no upfront fees. This means you can access our expertise and panel of 40+ lenders without paying anything out of pocket before approval.

Personal loan amounts typically range from $7,000 to $75,000, depending on the lender and your financial situation. We'll assess your needs and match you with appropriate options.

Debt consolidation combines multiple debts (credit cards, personal loans, etc.) into one loan with a single repayment. It can simplify your finances and potentially reduce your overall interest. We can assess if it's the right move for you.

Many personal loans can be approved within 24-48 hours. Some lenders offer same-day decisions. Once approved, funds are typically available within 1-2 business days.

Most personal loans allow early repayment, though some may have exit fees. We'll make sure you understand any fees before you commit and try to find loans with flexible repayment options.

With a chattel mortgage, you own the equipment from day one and can claim GST upfront — great for maximising tax benefits. Hire purchase is similar but the lender holds title until the final payment. A lease means you rent the equipment with options to purchase later. We'll help you understand which structure suits your business and tax situation best.

Eligible businesses may be able to claim the instant asset write-off on financed equipment, which can significantly reduce your tax bill. The thresholds and eligibility criteria change, so we recommend checking with your accountant. We can structure your finance to maximise available tax benefits.

Low doc equipment finance allows businesses to get approved with minimal paperwork — typically just bank statements and BAS/GST statements rather than full financial statements. This is ideal for self-employed business owners and sole traders who may not have traditional financials ready.

Yes, though options may be more limited. Some lenders require 2+ years in business, but we have options for newer businesses too, especially if you have industry experience or strong financials.

Yes, we finance both new and used equipment. The age and condition will affect the terms available. Most lenders will finance equipment up to 10-15 years old, though this varies by type.

Many equipment finance options require no deposit or a small deposit of 10-20%. Having a larger deposit can help secure better rates or approval with challenging credit. We'll find options that suit your cash flow.

For straightforward applications, we can often get approval within 24-48 hours. Low doc applications can be even faster. Settlement typically occurs within a few days of approval.

Yes, we work with lenders who understand farming cash flow. Options include seasonal repayments (lower payments off-season, higher during harvest), annual payments aligned with your income cycle, and balloon payments. We structure finance around when your farm generates income.

Yes. We work with specialist agricultural lenders who focus on your farm's performance and security rather than just credit history. If your farm is productive and you can demonstrate the ability to service the loan, we can often find options even with past credit issues.

Low doc finance allows farmers to get approved with minimal paperwork — often just bank statements and BAS rather than full financial statements. This is ideal for primary producers who may not have traditional financials but have strong farming operations.

Yes. With chattel mortgage, you can claim the GST upfront on eligible equipment, which is often preferred by GST-registered farmers. With hire purchase or lease structures, GST is claimed over the life of the agreement. We'll help you choose the best structure for your tax situation.

For straightforward applications we can often get approval within 24-48 hours. Low doc applications can be even faster. We understand that farmers often need equipment quickly for time-sensitive operations and prioritise fast turnaround.

Bad credit can include paid or unpaid defaults, court judgments, part IX debt agreements, bankruptcies (current or discharged), or simply a low credit score. If you've been knocked back by banks, you may have bad credit.

Interest rates for bad credit loans are typically higher than standard rates as lenders take on more risk. However, we work to find you the most competitive rate available for your situation. Many clients refinance to better rates once their credit improves.

Yes, we help many Australians with defaults on their credit file get approved for car loans. Some lenders specialise in this area and understand that defaults don't tell the whole story.

Having stable income, a genuine savings history, and being upfront about your credit history all help. We'll guide you through the best way to present your application to maximise your chances of approval.

Yes, we can help people who have been discharged from bankruptcy. Some lenders will consider your application even if the bankruptcy was recent. We'll match you with lenders who understand your situation.