Need help finding a personal or business loan solution? Internet Loans Australia is a broker referral platform, providing access to a nation-wide referral network of participating finance brokers and lenders who offer fast, flexible loan options and competitive rates for eligible applicants.
Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.
Why Choose Internet Loans Australia?
Internet Loans Australia connects individuals, businesses and families to trusted loan solutions from a selection of participating brokers and lenders on our referral panel. Whether you need funds for a car, a personal project, or to consolidate debt, we aim to make the enquiry and broker-matching process as simple, transparent, and as stress-free as possible.
We are not a lender or credit assistance provider. We connect you with a participating licensed lender or broker who can discuss loan options that may suit your needs.
Our Network's Loan & Credit Services
Personal Loans: Borrow for unexpected needs or make a big purchase, with terms subject to the lender’s criteria and your circumstances.
Unsecured Loans: Access unsecured loan options - no collateral needed.
Impaired Credit Loans: Life happens - participating brokers and lenders may be able to discuss options for those with past credit issues.
Online Referral Eligibility Assessment: Secure, paperless, and quick - enquire anytime, from anywhere in Australia to check eligibility for referral to a participating broker or lender (not a loan approval or offer). You must meet the criteria of at least one participating broker or lender; criteria vary by product and a referral may not be available.
Explore Loan Amounts & Terms: Use our loan calculators to estimate repayments. After referral, a participating broker can help you compare available options.
Submit Your Enquiry in Minutes: Complete our secure online referral eligibility assessment form. Submitting an enquiry does not itself involve a credit check by us. A referred broker or lender may require a credit check or credit assessment later before approval.
Broker Matching: If a referral is available, your enquiry is referred to a participating broker or lender who can discuss your options and, if you choose to proceed, assist in loan submission.
Assessment & Outcome: If you proceed with a loan application, the lender assesses it and lets you know the outcome, directly or through your broker.
Receive Funds: For approved applications, funds are paid in line with the lender’s processes.
Approval times and outcomes depend on the lender’s process and your circumstances.
Transparent, Competitive Rates
We refer you to one of our panel of trusted Australian lenders and brokers to discuss available rates. We do not compare loan products or rates ourselves. Participating brokers are required under our network terms to offer comparison options from multiple lenders relevant to their service and competitive rates wherever possible; this is not a whole-of-market comparison. We do not charge you any fees for our service, although your chosen lender or broker may have their own fees and charges, which will be disclosed in their loan documentation. Please review all fees, charges and loan terms disclosed to you carefully before making a decision. Our broker partners are committed to providing clear loan terms and informative resources to help you understand your options.
Australian Internet Loans Weekly News Insights
RBA lifted the cash rate to about 4.6% on 29 Sept, with lenders increasing variable rates from 2–3 Oct. From 1 Oct, card surcharges are banned; rewards are changing and SMEs should review merchant costs. ABS data on 30 Sept shows August building approvals down ~6% overall, with houses up and apartments down, affecting construction cash flow and equipment finance needs. AUSTRAC reported mortgage fraud indicators on 30 Sept, so lenders will tighten verification; borrowers should be document‑ready. Visit internet-loans.com.au for a free eligibility check and to compare loan options.
It’s important to consider your own objectives, financial situation and needs before taking out any personal or business loan. Your lender assesses your application against its lending criteria. Assessment requirements vary by loan type, including whether the loan is for personal or business purposes.
Ready to Take the Next Step?
Explore your finance options with confidence. Use our loan calculators to help plan & estimate your repayments, visit our Enquire Now page, or browse our helpful articles to learn more about your options.
Internet Loans Australia—trusted, fast, and flexible broker-matching service for every life stage, with loan quotes provided by participating brokers and lenders.
Warning to Borrowers: Unsecured personal loans
The following information is specific to unsecured personal loans.
Minimum period for repayment 6 months, maximum period 5 years.
The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.
For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed. This example is for illustrative purposes only. Actual loan terms, total costs and eligibility criteria will vary depending on your circumstances and the lender's assessment.
Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.
Frequently Asked Questions
Customer Feedback
★★★★★
"Very helpful, communicative, they don't harass or call repetitively like some do. Great experience"
These are genuine reviews from customers who have used our broker referral service.
We work with licensed finance and insurance professionals across Australia and continually monitor the quality of our network, however individual experiences and outcomes may vary
Recent vehicle finance commentary has put balloon and residual payments back in the spotlight, particularly for Australians considering cars, utes, vans, trucks or business equipment. The issue is not that balloon structures are inherently unsuitable. Used carefully, they can help borrowers manage cash flow by lowering regular repayments. The risk is that the smaller monthly figure can distract from the larger amount still payable at the end of the loan or lease term. - read more
Recent lending market coverage points to a more competitive spring for Australian borrowers, with some banks and non-bank lenders adjusting selected fixed and variable loan offers. The shift does not mean borrowing has suddenly become easy or cheap, but it does suggest lenders are again competing harder for well-prepared applicants with stable income, clean repayment histories and clear loan purposes. - read more
Recent small business lending commentary points to a continuing change in how Australian lenders are assessing finance requests: the focus is moving beyond annual accounts and into the day-to-day health of cash flow. For business owners seeking working capital, vehicle finance, equipment upgrades or short-term funding, that means bank statements, tax position and repayment conduct are becoming central to the conversation. - read more
Financial health is crucial in ensuring long-term stability and achieving your life goals. Whether it's buying a house, starting a business, or planning for retirement, a strong financial foundation can make these aspirations attainable. One of the key components of maintaining financial health is regular credit monitoring. - read more
Applying for an online loan can be a convenient way to manage your finances from the comfort of your own home. With technology's advancement, borrowing money has shifted from traditional brick-and-mortar institutions to digital platforms, making the process quicker and more accessible. However, navigating through this online landscape requires an understanding of how it operates. - read more
Applying for a loan online streamlines the traditional borrowing process, offering a convenient and fast route to financial assistance. With the advent of technology, borrowers can now complete the entire loan application process from the comfort of their own homes. This digital evolution brings with it a series of steps that, when executed correctly, can result in swift loan approvals. - read more
RBA lifted the cash rate to about 4.6% on 29 Sept, with lenders increasing variable rates from 2–3 Oct. From 1 Oct, card surcharges are banned; rewards are changing and SMEs should review merchant costs. ABS data on 30 Sept shows August building approvals down ~6% overall, with houses up and apartments down, affecting construction cash flow and equipment finance needs. AUSTRAC reported mortgage fraud indicators on 30 Sept, so lenders will tighten verification; borrowers should be document‑ready. Visit internet-loans.com.au for a free eligibility check and to compare loan options.
