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Personal & Business Loan Options

Need help finding a personal or business loan solution? Internet Loans Australia is a broker-matching platform, providing access to a nation-wide referral network of specialist finance brokers and lenders who offer fast, flexible online loan options and competitive rates for eligible applicants.

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All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

Why Choose Internet Loans Australia?

With over 20 years experience in the Australian finance industry, 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 licensed lenders and brokers who compete to offer you 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 to suit every budget.
  • Unsecured Loans: Access unsecured loan options—no collateral needed.
  • Impaired Credit Loans: Life happens—many of our panel lenders have flexible criteria that may provide options for those with past credit issues.
  • Online Eligibility Assessment: Secure, paperless, and quick—apply anytime, from anywhere in Australia for an initial eligibility pre-assessment (not a loan approval or offer).
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Simple Online Application Process

  1. Compare Options: Use our tools to explore loan amounts and terms from our panel of participating lenders and brokers.
  2. Submit Your Enquiry in Minutes: Complete our secure online eligibility assessment form with fast digital verification.
  3. Broker Matching: Your enquiry is referred to a specialist broker or lender who can discuss your options and, if you choose to proceed, assist in loan submission.
  4. Assessment & Outcome: Your chosen lender or broker assesses your application and lets you know the outcome.
  5. Receive Funds: For approved applications, funds are paid directly to your bank account in line with the lender’s processes.
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Approval times and outcomes depend on the lender or broker assessing your application. Many applicants receive an outcome within hours, but this can vary depending 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 bring you competitive rates, but we do not compare all products in the market. 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.

Who Can Apply?

It’s important to consider your own objectives, financial situation and needs before taking out any personal or business loan. Any broker or lender you deal with is required to assess that a loan is suitable for you and that you can afford the repayments before a loan can proceed.

Ready to Take the Next Step?

Join thousands of satisfied Australians who’ve secured finance with confidence. Use our loan calculators to help plan 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 loan quote and broker-matching service for every life stage.

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.

Finance News

CommBank Expands Green Loan Options for Sustainable Homes
CommBank Expands Green Loan Options for Sustainable Homes
10 Feb 2026: Paige Estritori
Commonwealth Bank of Australia (CommBank) has strengthened its commitment to environmental sustainability by expanding its Green Home Offer through a renewed partnership with the Clean Energy Finance Corporation (CEFC). This collaboration introduces enhanced financial incentives for homeowners aiming to improve their property's energy efficiency. - read more
ASIC Cracks Down on Unlicensed Financial Influencers
ASIC Cracks Down on Unlicensed Financial Influencers
10 Feb 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has intensified its efforts to regulate financial content on social media by issuing warning notices to 18 'finfluencers'—individuals who use social media platforms to discuss financial products and investments. These actions are part of a coordinated international initiative targeting unlicensed promotion of high-risk financial products. - read more
Virgin Australia Launches In-Cabin Flights for Pets
Virgin Australia Launches In-Cabin Flights for Pets
10 Feb 2026: Paige Estritori
Virgin Australia has unveiled its 'Pets in Cabin' service, a pioneering initiative that allows passengers to travel with their pets in the aircraft cabin on select domestic routes. This service caters to Australia's substantial pet-owning population, offering a more comfortable and convenient travel option for both pets and their owners. - read more
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Finance Articles

Debt-to-Income Ratio: Fine-tuning Your Finances for Loan Approval
Debt-to-Income Ratio: Fine-tuning Your Finances for Loan Approval
When you embark on the journey of securing a loan, one pivotal factor that looms large in the eyes of lenders is your debt-to-income ratio, commonly known as DTI. This crucial metric measures the chunk of your monthly income that goes towards paying debts, and it serves as a barometer for financial stability. A lower DTI can swing the doors wide open to favorable loan terms, while a higher one might signal red flags for potential lenders. - read more
The Ultimate Guide to Responsible Credit Card Use for a Stellar Credit Score
The Ultimate Guide to Responsible Credit Card Use for a Stellar Credit Score
In the financial landscape of Australia, credit scores stand as a crucial measure of one's financial health and credibility. A credit score, essentially a numerical representation of your creditworthiness, is used by lenders and financial institutions to determine the risk involved in lending to you. This score can range from 0 to 1200, where higher scores signify better credit health and an increased likelihood of securing loans with favorable terms. - read more
Common Mistakes to Avoid When Seeking a Small Business Loan
Common Mistakes to Avoid When Seeking a Small Business Loan
Small business loans play a crucial role in the Australian economic landscape. They provide essential capital for business growth, whether it's for expanding operations, purchasing new equipment, or funding marketing campaigns. Understanding the importance of these loans is the first step toward making informed financial decisions. - read more
This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.