Consumer:

Personal Loan

Consumer:

Auto Loan

Commercial:

Auto Loan

Commercial:

Equipment Loan

Commercial:

Cash-flow/Debtor Finance

Commercial:

Small Business

Consumer:

Novated Lease

Consumer:

Personal Loan

Consumer:

Auto Loan

Commercial:

Auto Loan

Commercial:

Equipment Loan

Commercial:

Cash-flow/Debtor Finance

Commercial:

Small Business

Consumer:

Novated Lease

Consumer:

Personal Loan

Consumer:

Auto Loan

Commercial:

Auto Loan

Commercial:

Equipment Loan

Commercial:

Cash-flow/Debtor Finance

Commercial:

Small Business

Consumer:

Novated Lease

Personal Loans - Consumer

What is a personal loan?

Personal loans are typically unsecured loans, meaning they aren’t tied to a specific asset. Unlike auto loans, which are directly linked to a vehicle, personal loans deposit funds straight into your nominated bank account—giving you full control over how the money is used.

What purpose can a personal loan be used for?

Personal loans are flexible and can be used for various purposes, including vehicle purchases, home renovations, debt consolidation, travel, or in cases of emergency. Additionally, personal loans provide the flexibility to combine multiple financial needs, such as purchasing a vehicle while consolidating debt, all under one streamlined loan.

Why get a personal loan over an auto loan if purchasing a vehicle?

A personal loan may be more beneficial for a vehicle purchase if it the vehicle does not meet typical lending criteria requirements for an auto loan, such as an older model or a leisure vehicle like a caravan or motorcycle. Personal loans also allow for shorter loan terms, meaning you could pay it off faster and save on interest, often without early termination fees.

What does secured and unsecured mean?

A secured personal loan requires an asset, such as a vehicle or home equity, as collateral, which generally results in lower interest rates and higher borrowing limits. If repayments are not made, the lender has the right to repossess the asset.
An unsecured personal loan, however, does not require collateral and instead relies on your credit score and income to determine eligibility. While unsecured loans offer more flexibility, they typically come with higher interest rates due to the increased risk to lenders.

What determines the interest rates?

Personal loan interest rates vary based on factors such as credit history, loan type, and the lender’s policies. Since unsecured personal loans are considered higher risk, they generally come with higher interest rates than auto loans. Different lenders assess risk differently, meaning that interest rates, borrowing limits, and loan terms can vary significantly. Because personal loans are often used for non-essential expenses, lenders consider them a higher-risk loan category, which may impact interest rates and approval criteria.

Summary:

Ultimately, the type of loan, your eligibility, and the terms will depend on your financial goals and what you’re looking to finance. Interest rates vary based on lender criteria, your credit history, and overall financial situation.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

consumer form

below.

Auto Loans - Consumer

What is an auto loan?

An auto loan is a type of secured loan specifically designed for purchasing a vehicle. Unlike a personal loan, which deposits funds directly into your account, an auto loan is typically paid directly to the dealership or seller, with the vehicle serving as collateral for the loan.

Does the type of vehicle matter?

Yes, lenders have specific criteria for the types of vehicles they finance. Most auto loans cover new and used cars, utes, and vans, but some older models, high-kilometre vehicles, or specialty cars may not qualify. Additionally, lenders may exclude vehicles primarily used for leisure or business purposes, such as motorhomes, caravans, motorcycles, or heavy machinery. If a vehicle doesn’t meet lending criteria, a personal loan may be a more suitable alternative.

Are dealership and private sales both eligible?

Yes, auto loans can be used for both dealership and private sales, but loan conditions may vary depending on the lender. Some lenders may have stricter policies for private sales, requiring additional checks, while dealership purchases typically involve a more straightforward approval process.

Why get an auto loan if I can get a personal loan?

Auto loans typically offer lower interest rates than personal loans because they are secured against the vehicle. Unlike personal loans, where funds go directly to you, auto loans are paid straight to the dealership or private seller, ensuring the loan is used only for the vehicle. This structured process reduces misuse and can make financing approval easier for eligible borrowers.

What determines the interest rates?

Auto loan interest rates depend on factors like your credit score, income, loan amount, and the lender’s criteria. Since auto loans are secured, they generally have lower rates than personal loans. Other factors, such as your employment and housing status, credit history length, vehicle condition, and loan term, can also influence the rate.

Summary:

Auto loans are a safe and cost-effective way to finance a vehicle purchase, typically offering lower interest rates than personal loans. Eligibility, loan terms, and interest rates vary based on lender criteria, credit history, and vehicle specifics.
‍We compare lenders to help you find the best possible loan for your situation.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

consumer form

below.

Auto Loans - Commercial

What is the difference between a commercial and a consumer auto loan?

Consumer auto loans are for individuals seeking to purchase a vehicle for personal use, whereas commercial auto loans are for businesses, including sole traders, seeking to purchase a vehicle that assists in the business function.

Can a commercial auto loan be used for any vehicle purchase?

Commercial auto loans must be tied to a business purpose. Lenders will assess whether the vehicle as well as the business fits the requirements for the loan type.
Typically, different lenders have different policies and product outlines, meaning that not all lenders provide the same loan services for each application circumstance. For instance, heavier vehicles such as trucks, can be viewed differently among lenders compared to your standard ute, this is why having a trustworthy broker is essential in suiting you to the lender based on your unique circumstance.

Are the interest rates different from consumer auto loans?

Yes, commercial auto loans often have different rates and terms compared to consumer loans. Most businesses will qualify for Low-doc loans, and due to the loans being linked to income producing assets this will often come with more competitive interest rates.

What does "Low-doc" mean?

A low-doc (low documentation) loan is designed for companies, partnerships, trusts and sole traders who won't use financial documents such as payslips, to prove their income. Instead, lenders rely more on the credit file of the individual applying and credibility, with a heavier reliance on length in business with a traceable presence.

Business loans are still based on an individual such as the director of a company, so being a homeowner will still positively influence interest as well as length in business.

Are there different eligibility requirements for commercial auto loans?

Commercial loan applications requirements include ABN, driver's license details and credit file check. If credit history is good, and there is evidence of a clear business purchase, then generally a loan can be highly guaranteed, and there is no proof of income required as low-doc loans rely on trust.
If credit is poorer or proof of business activity is questionable then this may prompt the lender to want to look further into the business profile and require a bit more documentation.

Summary:

Commercial auto loans are structured for business purposes, whether it’s financing a fleet of vehicles or a single vehicle. Low-doc loans make commercial loans more accessible and loan terms vary based on the nature of the purchase, but ultimately, the loan must support the business's ability to generate income.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Equipment Loans - Commercial

What is an equipment loan?

An equipment loan is a type of commercial financing designed to help businesses purchase essential equipment, machinery, or tools. Rather than paying upfront, businesses can spread the cost over time, keeping cash flow stable while ensuring they have the equipment they need to operate efficiently.

What types of equipment can be financed?

Equipment loans cover a wide range of business assets, including: Construction and earthmoving machinery, medical or dental equipment, office technology (computers, printers, software), manufacturing tools and industrial equipment, farming and agricultural machinery etc.
Available lenders may have different policies, so working with a broker helps match your needs to the right lender.

Is an equipment loan secured or unsecured?

Equipment loans are typically secured against the equipment itself. This means the lender uses the equipment as collateral, allowing businesses to access lower interest rates compared to unsecured financing. However, the type of equipment and use may impact the nature of the loan.

Are there tax benefits for equipment loans?

Yes, equipment financing may come with tax deductions and GST benefits depending on the loan structure. Many businesses can claim depreciation, interest expenses, and GST credits on financed equipment. The specifics depend on your business structure and tax obligations, so consulting an accountant is recommended.

Who is eligible for an equipment loan?

Eligibility depends on the lender but typically requires: An ABN or ACN, a minimum trading period, and a good credit history - which would be classed as low-doc.
The loan and eligibility would then also be impacted based on the type of equipment being financed, and varying risk factors, which is why having a good broker is essential in finding the best outcome.

Equipment Leasing & Hire Options:

Through Centsible, businesses can also apply for equipment lease and hire options, allowing them to use the equipment without purchasing it outright while still benefiting from tax deductions. This more uncommon but can be a flexible alternative for businesses that need short-term or long-term access to equipment without committing to ownership.
For leasing inquiries, it's best to contact us directly so we can discuss the best solution for your business needs.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Cash-Flow/Debtor Finance - Commercial

What is cash-flow finance (debtor finance)?

Cash-flow finance, also known as debtor finance or invoice financing, allows businesses to access cash tied up in unpaid invoices. Instead of waiting for clients to pay, businesses can receive immediate funds based on their outstanding invoices, improving cash flow.

How does debtor finance work?

A business provides goods or services and issues invoices to customers.
Instead of waiting for payment, the business submits the invoice to a debtor finance lender.
The lender advances a percentage of the invoice value (usually 70-90%) upfront.
When the customer pays the invoice, the lender releases the remaining balance, minus a financing fee.

There are two types of debtor finance, disclosed and confidential. In disclosed debtor financing the customer pays the invoice directly to the lender, where the lender then releases the remaining balance to the business minus the financing fee. In confidential debtor financing, the customer pays the business directly, as they often don't know debtor finance is being used, this makes the business responsible for repaying the lender for the advance received as well as any agreed financing fees.

What types of businesses benefit from debtor finance?

Debtor finance is ideal for businesses that operate on invoice-based transactions and experience delayed payments from clients. This includes: trade and manufacturing businesses, transport and logistics companies, professional services (e.g., legal firms, consultancies), wholesalers and distributors, etc.

Is debtor finance a loan?

No, debtor finance is not a traditional loan. Instead of borrowing money, you are unlocking cash that already belongs to your business. This means there is no added debt—you are simply accessing your own working capital faster.

Is there a commitment period?

Debtor finance can be short-term or ongoing, depending on the lender and business needs. Some businesses use it occasionally to cover cash flow gaps, while others rely on it as a continuous funding facility.
You can apply for both short term funding or long term funding, as some lenders offer rolling agreements, often with a minimum volume requirement (e.g., financing a percentage of invoices each month).

If a business wants to stop using debtor finance, they typically need to:

Notify the lender (some agreements require a notice period).
Ensure all funded invoices are paid (if using invoice factoring, this means customers must complete outstanding payments).
Settle any remaining fees or charges.

Does my business qualify for debtor finance?

Most businesses that invoice clients on net terms (e.g., 30, 60, or 90 days) can qualify. Lenders typically assess: the value and reliability of your invoices, your clients’ payment history, your business revenue and trading history. Since the invoices serve as collateral, credit history is less important than in traditional loans.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Small Business Loan - Commercial

What is a small business loan?

A small business loan provides funding for business expenses, expansion, or working capital needs. These loans can help businesses manage cash flow, invest in growth, or cover unexpected costs.

What can a small business loan be used for?

Small business loans are flexible and can be used for:

Expanding operations or opening a new location
Purchasing inventory or equipment
Hiring staff or increasing wages
Covering seasonal cash flow gaps
Marketing and advertising investments

Is a small business loan secured or unsecured?

Both secured and unsecured options exist. Secured loans require collateral (e.g., property, vehicles, business assets) and often have lower interest rates. Unsecured loans don’t require collateral but typically come with higher interest rates and stricter eligibility criteria.

What are the eligibility requirements?

Eligibility varies by lender but often includes: having a registered ABN/ACN, minimum business trading history (e.g., 6-12 months), proof of revenue and cash flow and a solid credit profile.

How do lenders determine the loan amount?

Lenders assess the loan amount based on: your business revenue and financial health, your debt-to-income ratio and the purpose of the loan.
Stronger financials and a clear loan purpose can improve approval chances and secure better loan terms.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Novated Lease - Consumer

What is a novated lease?

A novated lease is a salary packaging arrangement that allows an employee to lease a car using pre-tax income, reducing their taxable income and potentially increasing take-home pay. Instead of paying for the vehicle with after-tax earnings, lease payments are deducted directly from the employee’s salary before tax is applied, which can result in significant tax savings.

How does a novated lease work?

The employee chooses a car from available options.
The employer deducts lease payments from the employee’s pre-tax salary and pays the leasing company directly.
This lowers the employee’s taxable income, meaning they pay less income tax overall.

Who is eligible for a novated lease?

Eligibility depends on employer policies and income level. It is always best to talk to your employer or management first to confirm eligibility before applying.

Employees who would typically be eligible:

Full-time and permanent part-time employees with stable income.
Employees working for an employer that offers salary packaging.

Employees who would typically NOT be eligible:

Casual workers or contractors, unless their employer allows it.
Employees of small businesses that do not offer salary sacrifice arrangements.
Those with insufficient income to cover lease repayments after deductions.

What are the benefits of a novated lease?

Novated leases can offer tax savings, convenient budgeting, often no GST on the vehicle purchase price—in most standard novated lease agreements the leasing company buys the vehicle on behalf of the employ and claims the GST back, meaning that the employee doesn't have to pay GST on the purchase price of the vehicle.

Are there restrictions on the type of car I can lease?

Most new and used passenger vehicles qualify, but there may be restrictions on age, condition, and commercial vehicles.

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

consumer form

below.

Questions and Enquiries

Submit a General Enquiry

For any queries, questions or confusions.
Best if you are feeling unsure and require extra guidance, or you simply just don't know what your next steps are yet.

Quick Enquiry - General

Thank you for your enquiry!

You're one step closer to your goal — and we’re excited to help you get there.

Here’s what to expect next:

Your submission will be personally reviewed by our team.
We’ll be in touch shortly — typically within 1 business day.
We’ll present you with the best options tailored to your needs.
Once you’re happy, we’ll grab any final details and work directly with the lender to secure your approval.

In the meantime, feel free to explore our site or jot down anything you’d like to chat about. We’re here to make things clear, easy, and stress-free — every step of the way.

Oops! Something went wrong while submitting the form.

Fast-Track: Detailed Consumer Enquiry Form

Whether you are looking to get a personal loan or auto loan, this form is for you. This form will ask more detailed questions on your desired loan and financial history.

Fast Track Form - Consumer

Full Name:

Phone Number:

Email Address:

Loan Type:

Loan Amount:

If seeking a secured loan such as an auto loan, are the asset details known?

Asset Details (if known):New/Used:Make:Model:Year:

Relationship Status:

Dependents:

Residential Status:

Rent/Mortgage Payment Amount:

Payment Frequency:

Current Address:

Length at Address:

Employment Status:

Length in Current Job:

Do you receive any Government Benefits?

Do you have any current loans?

Do you have any credit cards?

Do you use any Buy Now, Pay later services such as Afterpay?

Asset Details (answer applicapble)Real Estate:Motor Vehicle: Financial Savings:Home Contents:Asset/s Not Listed:

Have you had any known payment defaults in the past?

Would you like to add any additional information to this form?

Thank you for your enquiry!

You're one step closer to your goal — and we’re excited to help you get there.

Here’s what to expect next:

Your submission will be personally reviewed by our team.
We’ll be in touch shortly — typically within 1 business day.
We’ll present you with the best options tailored to your needs.
Once you’re happy, we’ll grab any final details and work directly with the lender to secure your approval.

In the meantime, feel free to explore our site or jot down anything you’d like to chat about. We’re here to make things clear, easy, and stress-free — every step of the way.

Oops! Something went wrong while submitting the form. Check over questions to make sure all required fields are filled in.

Fast-Track: Detailed Commercial Enquiry Form

Whether you are a sole trader, from a small business or big business, this form is for you. Less extensive than the consumer form, this form will ask more detailed questions on your desired loan and loan purpose.

Fast Track Form - Commercial

Thank you for your enquiry!

You're one step closer to your goal — and we’re excited to help you get there.

Here’s what to expect next:

Your submission will be personally reviewed by our team.
We’ll be in touch shortly — typically within 1 business day.
We’ll present you with the best options tailored to your needs.
Once you’re happy, we’ll grab any final details and work directly with the lender to secure your approval.

In the meantime, feel free to explore our site or jot down anything you’d like to chat about. We’re here to make things clear, easy, and stress-free — every step of the way.

Oops! Something went wrong while submitting the form. Check over questions to make sure all required fields are filled in.

Application Process Outline:

Begin Application

Capacity & Credit

Market Assessment

Loan Approval

Access to OVER 50 lenders

What are consumer and commercial loans?

Who are consumer loans for?

Who are commercial loans for?

Above all else...

Personal Loans - Consumer

What is a personal loan?

What purpose can a personal loan be used for?

Why get a personal loan over an auto loan if purchasing a vehicle?

What does secured and unsecured mean?

What determines the interest rates?

Summary:

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

consumer form

below.

Auto Loans - Consumer

What is an auto loan?

Does the type of vehicle matter?

Are dealership and private sales both eligible?

Why get an auto loan if I can get a personal loan?

What determines the interest rates?

Summary:

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

consumer form

below.

Auto Loans - Commercial

What is the difference between a commercial and a consumer auto loan?

Can a commercial auto loan be used for any vehicle purchase?

Are the interest rates different from consumer auto loans?

What does "Low-doc" mean?

Are there different eligibility requirements for commercial auto loans?

Summary:

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Equipment Loans - Commercial

What is an equipment loan?

What types of equipment can be financed?

Is an equipment loan secured or unsecured?

Are there tax benefits for equipment loans?

Who is eligible for an equipment loan?

Equipment Leasing & Hire Options:

For any enquiries feel free to

call us

or fill out our

general enquiry form

below.

If you are wishing to speed up the process you can also fill out our

commercial form

below.

Cash-Flow/Debtor Finance - Commercial

What is cash-flow finance (debtor finance)?

How does debtor finance work?

What types of businesses benefit from debtor finance?

Is debtor finance a loan?

Is there a commitment period?

Does my business qualify for debtor finance?

For any enquiries feel free to

call us

or fill out our