Finance FAQs for Personal Loans, Car Finance and Asset Finance

Find clear answers about Loanstoday, the loan process, lender matching, broker referrals, documents, credit scores, car finance, debt consolidation and non-mortgage finance options above $5,000.

FAQ

About Loanstoday

What is Loanstoday?

Loanstoday is an Australian finance brokerage and loan matching service. We help customers and broker partners explore suitable non-mortgage finance options above $5,000, including personal loans, car finance, debt consolidation, equipment finance and asset finance.

Is Loanstoday a lender?

No. Loanstoday is not the lender. We help review your loan purpose, circumstances and borrowing needs, then guide the application towards lender options that may suit your situation.

How long has Loanstoday been operating?

Loanstoday has been helping customers and broker partners with personal loan, vehicle finance and asset finance support since 2008.

What makes Loanstoday different?

Loanstoday combines practical lender knowledge, broad lender access, smart systems and real human support. You deal with real people who listen, explain the process clearly and help you understand your options.

Does Loanstoday charge customers a fee?

Loanstoday is paid by lender commissions when a loan successfully settles. Customers do not pay Loanstoday directly for the finance brokerage and loan matching service.

The Loan Process

How does the Loanstoday process work?

You can start online, by phone or through a broker referral. We review your loan purpose, basic circumstances and borrowing needs, then help identify lender options that may suit your situation.

How long does the process take?

Timing depends on your circumstances, the loan type, the lender’s requirements and how quickly supporting documents are provided. We’ll keep the next steps clear and let you know what is needed.

What documents will I need to apply?

The documents required depend on the lender and loan type. You may be asked for identification, income information, bank statements, asset details or other supporting documents. We’ll explain what is needed for your situation.

Can I speak to a real person?

Yes. Loanstoday is built around real human support. You do not have to work it out alone - our team can help explain the process and guide the next steps.

What happens if my application is not approved?

If a lender does not approve an application, we can help explain the outcome and discuss whether another pathway may be available. Approval is always subject to lender assessment, eligibility criteria, fees, terms and conditions.

Loan Types and Eligibility

What loan amounts does Loanstoday work with?

Loanstoday’s service is designed for non-mortgage finance requests above $5,000, where lender matching and application support can provide the greatest value.

What types of finance can Loanstoday help with?

Loanstoday can help with suitable non-mortgage finance options, including personal loans, car finance, debt consolidation, equipment finance, asset finance, boat finance, motorbike finance, caravan finance, holiday finance and wedding finance.

Does Loanstoday offer home loans or mortgages?

No. Loanstoday does not provide home loans, residential mortgages, mortgage refinancing or mortgage-style lending services. Our focus is non-mortgage finance above $5,000.

Can Loanstoday help with used car finance or private sales?

Yes, Loanstoday can help customers explore used car finance and private sale finance options where the loan purpose, amount, asset and borrower circumstances fit lender requirements.

Does my credit score affect my loan options?

Yes. Your credit score can influence lender options, rates, terms and approval requirements. We help you understand what lenders may consider and which options may suit your circumstances.

Broker Referrals

Can brokers refer clients to Loanstoday?

Yes. Loanstoday works with broker partners who need a trusted referral pathway for clients requiring personal loans, car finance, debt consolidation, equipment finance or other non-mortgage finance above $5,000.

Will the broker keep the client relationship?

Yes. Loanstoday supports broker partners with clear communication and professional client care. The aim is to help solve the client's non-mortgage finance need while respecting the broker relationship.

What types of clients can brokers refer?

Brokers can refer clients seeking suitable non-mortgage finance above $5,000, including personal loans, car finance, debt consolidation, asset finance and equipment finance.

How does a broker submit a referral?

Brokers can use the Loanstoday referral form or contact the team directly. Loanstoday will review the scenario, contact the client where appropriate and keep the broker updated throughout the process.

Do brokers receive referral commission?

Broker partners may receive referral commission where applicable. The specific arrangement may depend on the referral pathway, lender outcome and Loanstoday’s current broker terms.

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