Welcome to 1800 Loans

Fast and easy tailored funding solutions that support the growth of businesses and individuals

Our pre-approval costs you nothing and commits you to nothing

✦ Personal Loans ✦ Business Loans ✦ Commercial Loans ✦ Vehicle Finance ✦ Asset & Equipment Finance ✦ Chattel Mortgage ✦ Novated Lease ✦ Equipment Leasing ✦ Refinancing ✦

Personal Loans ✦ Business Loans ✦ Commercial Loans ✦ Vehicle Finance ✦ Asset & Equipment Finance ✦ Chattel Mortgage ✦ Novated Lease ✦ Equipment Leasing ✦ Refinancing ✦

Personal Loans ✦ Business Loans ✦ Commercial Loans ✦ Vehicle Finance ✦ Asset & Equipment Finance ✦ Chattel Mortgage ✦ Novated Lease ✦ Equipment Leasing ✦ Refinancing

Loan Request

Apply in 60 Seconds — No Obligations

Share with us your finance needs and we will find the best solution for you. With access to over 74 lenders we will find the right loan for you the first time.

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Getting your rate here will not affect your credit score

Flexible Finance From 74+ Trusted Lenders

Our Lenders

With access to over 74 lenders and hundreds of finance options, you know that you’ll get a fair deal and the lowest rate to suit your situation.

About Us

A Local Team That Keeps Lending Simple

We’re 1800Loans — a team of Australian finance professionals who believe getting a loan shouldn’t be confusing and difficult. With access to over 74 lenders and decades of combined experience, we make borrowing feel less like a sales pitch and more like a partnership. Whether you’re after a vehicle, equipment or funds for your next step, we’ll walk you through it with honesty and care.

Years of Experience

0 +

Trusted Bank & Non-Bank Lender Partners

0 +

Total finance secured:

$ 0 M

Our Services

Loan Solutions That Fit Your Goals

We offer a range of flexible lending options for everyday Australians and businesses that best meet their needs and individual circumstances.

Personal Loans

For travel, renovations, unexpected bills or consolidating debts into one manageable repayment.

Business Loans

Support day-to-day expenses, growth projects, or get your startup off the ground.

Commercial Loans

For larger-scale borrowing tied to property, assets, or serious growth.

Vehicle Finance

Car, ute, motorbike or van — get on the road with affordable terms.

Asset and Equipment Finance

From tools to heavy machinery, we help you fund what keeps your business moving.

Chattel Mortgage

Own the asset from day one with structured repayments and potential tax benefits.

Equipment Leasing

Flexible finance for tools, machinery, and business-essential equipment upgrades.

Novated Lease

Salary package your vehicle and save with pre-tax lease benefits.

Refinancing

Restructure what you’ve got to reduce repayments or unlock equity.

Why Choose 1800 Loans

Tailored Funding Solutions

We are a team of personal finance experts that make finding the right finance solution quick and hassle free.

What makes us different:

We have direct relationships with over 74 bank and non bank lenders
We guarantee the lowest rate and lowest repayment
We can have you preapproved within an hour
Our preapproval process cots you nothing and commits you to nothing
We protect your credit score by matching you with the best lender the first time.

Plan Your Finance

Smart, personalised lending options to move you forward faster.

How it Works

Here’s How Easy It Can Be

Step 01

Apply online or give us a call

Step 02

We compare loans and give you real options

Step 03

You choose what works and we handle the rest

Step 04

Accept your offer and we arrange payment to the supplier

Step 05

Sign documents and collect your car or goods

You’ll have a dedicated broker from start to finish. No call centres. No chasing.

Testimonials

What Our Clients Are Saying

      EXCELLENT  
   Based on 60 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Adam Leonardi 
 
 
 
 Trustindex verifies that the original source of the review is Google. We can’t thank Wade enough for making our business vehicle finance process an absolute breeze!

From the very first conversation, Wade was professional, responsive, and genuinely helpful. He took the time to understand our needs, made everything simple and stress-free, and delivered fast results without all the usual back-and-forth. His communication was on point the entire way through — no chasing, no confusion, just solid, honest service.

If you’re looking for someone reliable, friendly, and fast — who actually gets things done, I couldn’t recommend Easy Loans more highly.

Thanks again..We’ll definitely be back for the next one.
  
 
      Posted on Google  
   
   Patrick Tomas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Wade from 1800 Loans was seamless from start to finish. The process was easy, straightforward and most importantly, stress-free.

Wade was always on top of everything and was genuinely proactive - not just waiting around, but constantly pushing things forward. He was always reachable, answered every question and kept me updated throughout the process.

Thanks to his work, I’ve worked out that I'll save over $6,000 between now and May 2026. That’s a real result.

Could not recommend him highly enough and I’ll absolutely be using him again in the future.
  
 
      Posted on Google  
   
   Belinda Kinderman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Big thank you to Wade at 1800 Loans for assisting me to get into my new work vehicle with little fuss and a timely manner. Would recommend Wade for anyone looking for finance options
  
 
      Posted on Google  
   
   Chrissy Lakey 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an amazing and stress-free experience with Wade.
From start to finish, he was super friendly, professional, efficient, approachable, and most importantly, contactable. All I had to do was enquire and the rest was sorted for me without any issues.

He listened to my needs and answered all of my questions with patience and clarity (I'm hopeless with anything finance related, but he never let me feel silly, even when I asked (most likely silly) questions).

I really felt like he genuinely cared about helping me and this made the entire process so much easier. His attention to detail and quick responses made me feel confident every step of the way.

I highly recommend Wade Hogan to anyone looking for a reliable and personable broker. Truly top-notch service!
  
 
      Posted on Google  
   
   Brady Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. I first met Wade while selling a vehicle, where he represented the buyer.  I was so impressed with him, and his straighforward process that I sought his help for purchasing my next business vehicle.  I've already recommended him to friends.
  
 
      Posted on Google  
   
   Jeet Sandhu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a fantastic experience securing a car loan with 1800 Loans. Wade was professional, knowledgeable, and made the process seamless. He guided me through my options, answered all my questions, and ensured everything moved efficiently. Thanks to his expertise, I got a great loan with competitive terms. Highly recommend their services! Thanks Wade
  
 
      Posted on Google  
   
   Bautista Raimundo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely amazing place, great service, the owner, Brad took great care of everything for me. I can reccomend this finance company.
  
 
      Posted on Google  
   
   Ryan Benson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thanks Liam & Brad, sorted me with finance and settlement on a car, all within 3 business days!! Very professional, did exactly what they said they would do, when they said they would do it! Recommend them to others.
  
 
      Posted on Google  
   
   Anthony Steele 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brad and liam were amazing. As a former credit junkie ( Morgage, car, and credit cards) after leaving the matrix I had not used a single credit instrument since 2011 so my credit rating had returned to zero and green. My income mostly comes from bonuses and not base pay. Brad found the right lender to get me approved and while I was looking for my van he even found a bargain that I jumped on and purchased privately. Cannot speak more highly of this crew they walked me through each step and got we sorted within a week. Very greatful.
  
 
      Posted on Google  
   
   sattar arjmand 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thanks so much for your professional service and support, Brad and liam .
I got a loan approved in less than 5 hours and pick up my favourite car same day .
So happy about your service ☺️

Finance Fast Facts Every Aussie Should Know

9.9 million Australians currently hold a personal loan. From medical bills and holidays to renovations or debt consolidation, personal loans remain one of the most flexible and accessible finance options for everyday needs—offering fast approvals and manageable repayments.

Did you know 65% of new vehicles in Australia are financed? Whether it’s a ute for work or a family SUV, most Aussies choose finance over paying upfront—freeing up cash and getting on the road faster with smarter, tailored loan options.

Aussie businesses finance more than $40 billion in equipment annually. Leasing helps tradies, contractors, and SMEs get the tools they need—without draining working capital. It’s a powerful way to grow while preserving cash flow and claiming potential tax benefits.

Blog & News

Blogs

wade February 4, 2026

Why 1800 Loans is the Smartest Move for Your Next Loan

Why 1800 Loans is the Smartest Move for Your Next…

wade October 17, 2025

Tips for Sole Traders to Boost Their Borrowing Power (Without the Headaches)

Sole traders are the engine room of Australia’s economy—but…

wade October 3, 2025

Credit Scores in Australia: Everything You Need to Know

Your credit score plays a big role in your…

FAQs

Frequently Asked Questions

How long does loan approval take?

We can often get you pre-approved within 1 hour. Final approval times vary depending on your lender and documentation, but our brokers work quickly to speed up the process.

Will applying affect my credit score?

No. Our quote process is obligation-free and doesn’t impact your credit score. We only run checks once you’re ready to proceed with a chosen lender.

What types of loans do you offer?

We offer personal loans, business loans, vehicle finance, asset and equipment finance, chattel mortgages, leasing options, and refinancing.

Do you work with self-employed clients?

Yes. We regularly help sole traders, contractors, and self-employed professionals secure finance even with limited documentation.

What’s the difference between a chattel mortgage and a lease?

A chattel mortgage gives you ownership of the asset from day one, while leasing allows you to use the asset without buying it outright. We can help you choose what’s right based on your needs and tax position.

How do you find the best loan for me?