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No Credit Check – Fast Personal & Business Funding

Need Help Finding a Loan? Find out if you qualify and compare loan offers, rates & options from multiple lenders - without affecting your credit file!
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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.

Any Loan Type

Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance – and your initial enquiry with us will not result in an entry on your credit file.


Free assessment

Simply complete our short online loan enquiry form and we will introduce you to a specialist broker or lender from our panel to discuss your specific needs and circumstances.


Multiple lenders

When you submit an online loan enquiry with us, we use our internal eligibility assessment to match your details against the lending criteria of a large panel of finance professionals across Australia. You will be referred to a suitable broker or lender who may have access to multiple loan options.


No credit check

Unlike most online loan websites, submitting your finance enquiry with us does not result in an entry recorded on your credit file. Multiple credit file entries can make it considerably more difficult to obtain a loan and can severely limit your options. This applies only to our initial referral process; if you decide to proceed with a broker or lender, they may need to conduct their own credit check.


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. Representative example only. Actual loan offers, fees and total costs will vary depending on the lender, loan amount and your individual circumstances.
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 Articles

Understanding No-Credit-Check Loans: A Lifeline for Managing Financial Stress Wisely
Understanding No-Credit-Check Loans: A Lifeline for Managing Financial Stress Wisely
Financial stress can feel like an unstoppable force, a cycle of worry that impacts not only our peace of mind but also our fiscal health. It represents the anxiety and pressure associated with the inability to meet financial obligations, be it due to unforeseen expenses, unemployment, or a plethora of other reasons. - read more
How to Improve Your Financial Health and Secure Loans Effortlessly
How to Improve Your Financial Health and Secure Loans Effortlessly
Financial health refers to the state of one's personal financial situation. It encompasses a variety of factors, such as income stability, expenses control, savings, investments, and debt management. - read more
Understanding Your Credit Footprint: Borrowing Strategies to Keep Your Score Intact
Understanding Your Credit Footprint: Borrowing Strategies to Keep Your Score Intact
Understanding the mechanics behind credit scores is pivotal for anyone navigating the intricate world of finance. A strong credit score does not only unlock the gates to a plethora of borrowing options but also secures favorable interest rates, which can save you a substantial amount of money over time. It acts as a financial passport, one that enables you to achieve milestones such as purchasing a home or car with ease. - read more
Quick and Easy Tips to Boost Your Loan Approval Odds Without Affecting Credit
Quick and Easy Tips to Boost Your Loan Approval Odds Without Affecting Credit
Loan approval can often be a crucial milestone in achieving your financial goals. Whether you're looking to buy a home, pay for education, or consolidate debt, securing a loan can provide the financial boost you need to move forward. - read more
Choosing the Right Loan for Your Personal Needs in Australia
Choosing the Right Loan for Your Personal Needs in Australia
Choosing the right loan can be a pivotal decision in your personal financial journey. In Australia, where a diverse range of loan options is available, selecting the loan that aligns perfectly with your needs is more crucial than ever. A judicious choice can help you fulfill your dreams—be it buying a new home, investing in education, or consolidating debt—while ensuring that the repayments remain manageable and do not lead to financial strain. - read more
Loan Hunting with Confidence: How to Check Options Without Credit Damage
Loan Hunting with Confidence: How to Check Options Without Credit Damage
Embarking on the journey to secure a loan can feel like navigating a minefield with your credit score as the prize. It's no secret that your credit score is your financial fingerprint, impacting not just your loan prospects but also the terms you're offered. However, the act of loan hunting itself, if not done carefully, can take a toll on this crucial number. - read more
Navigating Financial Uncertainty: Tips for Managing Money Worries
Navigating Financial Uncertainty: Tips for Managing Money Worries
Financial stress is a common issue that affects a large portion of individuals, often due to unexpected expenses, unemployment, or a high cost of living. It can lead to both mental and emotional strain, influencing one's quality of life and decision-making abilities. Credit scores, a critical measurement of financial health, are used by lenders to evaluate the risk of lending money. - read more
Understanding Your Credit File: How to Seek Loans without Negative Impacts
Understanding Your Credit File: How to Seek Loans without Negative Impacts
Understanding financial health is paramount when venturing into the realm of loan acquisition. It's the backbone that supports not just your immediate monetary requirements but ensures longevity in your fiscal stability. At the heart of this understanding lies a critical aspect: the credit score. It's a numerical representation of your financial trustworthiness, influenced by past fiscal decisions and behaviors. - read more
Budgeting Basics to Keep Your Credit Score Healthy While Seeking a Loan
Budgeting Basics to Keep Your Credit Score Healthy While Seeking a Loan
Understanding the nuances of financial health is a crucial component in the journey of loan acquisition. It is the bedrock on which potential borrowers build their case for credibility and reliability. Among the myriad of factors influencing your fiscal stability, credit scores stand out as a beacon indicating your creditworthiness to lenders. A robust credit score simplifies the path to securing loans, garnering favorable interest rates, and negotiating better terms. - read more
Understanding Soft Credit Checks: Safeguard Your Score During Loan Comparison
Understanding Soft Credit Checks: Safeguard Your Score During Loan Comparison
When embarking on the journey to secure financing, particularly for significant purchases such as a car, your credit score takes center stage in the eyes of lenders. A credit score is a numerical representation of your creditworthiness, derived from your financial history and behaviors. It wields substantial influence on your ability to acquire loans with favorable terms. - read more

Finance News

APRA Implements Cap on High Debt-to-Income Home Loans
APRA Implements Cap on High Debt-to-Income Home Loans
09 Jan 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change to address emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This proactive measure aims to curb potential financial instability arising from escalating property prices and increased credit growth. - read more
ASIC Investigates Private Lending Sector Amid Rapid Expansion
ASIC Investigates Private Lending Sector Amid Rapid Expansion
09 Jan 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has intensified its scrutiny of the private lending sector, following a period of rapid growth and increasing investor interest. This move comes in response to concerns about transparency, risk management, and the potential impact on the broader financial system. - read more
Investor Lending Reaches New Heights in Australia's Housing Market
Investor Lending Reaches New Heights in Australia's Housing Market
09 Jan 2026: Paige Estritori
Australia's housing market is witnessing a significant surge in investor lending, with recent data indicating that investors now account for two in every five new home loans. This trend has raised concerns about housing affordability and the potential for market instability. - read more
RBA's October 2025 Review Highlights Australia's Financial Resilience
RBA's October 2025 Review Highlights Australia's Financial Resilience
01 Jan 2026: Paige Estritori
The Reserve Bank of Australia (RBA) has released its October 2025 Financial Stability Review, providing a comprehensive assessment of the nation's financial health. The report underscores the resilience of Australia's financial system, even amidst elevated global uncertainties. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
Australian Lenders Tighten Policies on Trust and Company Lending
Australian Lenders Tighten Policies on Trust and Company Lending
01 Jan 2026: Paige Estritori
In a significant shift within Australia's financial sector, major lenders Macquarie Bank and the Commonwealth Bank of Australia (CBA) have recently implemented stricter policies regarding lending to trusts and companies. These changes reflect a broader trend towards more cautious lending practices in response to regulatory concerns and market dynamics. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
RBA Advises Caution in Lending Amid Improved Borrower Finances
RBA Advises Caution in Lending Amid Improved Borrower Finances
01 Jan 2026: Paige Estritori
The Reserve Bank of Australia (RBA) has highlighted the need for continued caution in lending practices, even as data indicates an improvement in borrowers' financial health. This advisory comes in the context of a dynamic economic environment where both opportunities and risks coexist. - read more
APRA's New Cap on High Debt-to-Income Home Loans Explained
APRA's New Cap on High Debt-to-Income Home Loans Explained
24 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This measure is designed to address concerns over escalating property prices and the potential for financial instability. - read more
ASIC's Findings on Private Lending: What Investors Need to Know
ASIC's Findings on Private Lending: What Investors Need to Know
24 Dec 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has raised significant concerns regarding the private lending sector, emphasising the need for enhanced transparency and adherence to best practices. This scrutiny comes in response to the sector's rapid growth and its increasing role in the financial market. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
The Rise of Non-Bank Lenders: Flexible Options for Australian Borrowers
The Rise of Non-Bank Lenders: Flexible Options for Australian Borrowers
24 Dec 2025: Paige Estritori
In the evolving landscape of Australia's financial sector, non-bank lenders are experiencing a surge in popularity among borrowers seeking more flexible loan terms. This trend is particularly notable among individuals who may not meet the stringent criteria set by traditional banks. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
APRA Implements Cap on High Debt-to-Income Home Loans
APRA Implements Cap on High Debt-to-Income Home Loans
16 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change to address emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This proactive measure aims to curb potential financial instability arising from escalating property prices and increased credit growth. - read more

Need Help Finding a Loan?
Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check!
Loan Amount:
Postcode:

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

All finance quotes are provided free and without obligation. We respect your privacy.

Knowledgebase
Mortgage Document:
The physical contract agreement that a Mortgagee (lender) enters into with a Mortgagor (borrower) outlining the precice terms of a mortgage loan.


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