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Browse through our FAQs to see if you find what you need.

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FAQ

Frequently Asked Questions

What is Loanstoday?

Loanstoday are THE experts in Car Finance, Personal Loans, Asset Finance and Equipment Finance. We have specialised in these areas of lending since 2008. We know how to get your loan approved!

How long does the process take?

We know time is precious, so we’ve streamlined our process to make it fast and hassle-free. In many cases, we can have your loan approved and funds transferred to your account on the very same day. Of course, timing can vary depending on your circumstances, but we’ll keep you updated every step of the way.

What is a comparison rate?

A comparison rate is your shortcut to understanding the real cost of a loan, it bundles the interest rate and most fees into one easy-to-compare percentage. Think of it as a way to keep things apples to apples when you’re weighing up options. Just keep in mind it doesn’t cover every single fee, so if you’d like the full picture, we’re always here to help unravel the details!

Does my credit score impact my rates?

Yes, it sure does! Your credit score helps lenders decide what rates and terms to offer you, so a stronger score can mean more competitive rates. But don’t worry if yours isn’t perfect, we work with a wide range of lenders and can often find great options for all kinds of credit histories.

Which lenders do you work with?

At Loanstoday, we partner with a fantastic mix of over 60 of Australia’s leading banks, specialist lenders, and reputable non-bank financiers. This diverse panel means we can find a loan that fits you perfectly, no square pegs in round holes here! If you’re curious about the full list of lenders we work with, just reach out, we love talking finance.

More About Us

Is Loanstoday a lender?

Great question... no, Loanstoday isn’t a lender ourselves. We partner with a variety of trusted lenders to help you find the loan that fits you best. Think of us as your friendly matchmaker in the world of finance!

How do I know if I can trust you?

That’s an important question, and we’re glad you asked! Loanstoday is fully accredited, works only with reputable lenders, and has helped countless Australians secure finance with confidence. We’re all about transparency, so if you’d like to see reviews or ask for references, just say the word, we love earning your trust.

What can Loanstoday help me buy?

Loanstoday can help you finance all sorts of big dreams: cars, motorcycles, boats, caravans, and even business equipment. If it’s something worth investing in, chances are we’ve got a loan solution for it. Just tell us what you’re looking to buy, and we’ll get the wheels turning!

The Process

How do I get a quote?

Getting your quote is a breeze! Simply fill out our quick online form or give us a call, and we’ll gather a few details to tailor options to you. In no time, you’ll have a clear, no-obligation quote ready to review.

Is there someone I can speak to?

You bet! Our friendly team is always here to chat and answer any questions you have. Just give us a call or send us a message, and we’ll be ready to help you every step of the way. No robots—just real people who love talking finance!

What documents will I need to have on me to be able to apply?

Great question, being prepared makes things so much smoother! You’ll typically need some ID (like your driver’s licence), proof of income, and a few details about your assets and liabilities. Don’t stress, we’ll give you a handy checklist so you know exactly what to bring along.

If I am applying as a sole applicant, why do you need to know information about my partner?

This one trips lots of people up! Even if you’re applying solo, lenders sometimes need to understand your full household finances to get the clearest picture. Think of it as helping them see the whole puzzle, not just one piece, don’t worry, it’s all part of finding you the best deal!

Important Info

I don’t know which car I’m after, can I still get a loan?

Absolutely, you don’t need to have your dream car picked out just yet! We can help you get pre-approved, so you’ll know exactly what you can spend when you start shopping. It’s like having your budget sorted before you hit the showroom, easy and stress-free!

Do you do used cars or private sales?

Absolutely! We can help you finance used cars, whether you’re buying from a dealership or a private seller. We know every purchase is unique, so we’ve got flexible options to make it smooth and stress-free. Just let us know what you’re eyeing, and we’ll handle the details!

I have picked the exact car I want, How long before I can pick it up?

Fantastic—exciting times ahead! Once your loan is approved (which can happen as fast as the same day), we’ll get the funds sorted pronto so you can collect your new car without delay. Just think—you could be behind the wheel before you know it!

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ABN: 51 130 405 480 / Australian Credit Licence: 366867