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
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.
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
You’ll have a dedicated broker from start to finish. No call centres. No chasing.
Testimonials
What Our Clients Are Saying
Finance Fast Facts Every Aussie Should Know
Personal Loans
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.
Vehicle Finance
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.
Equipment Leasing
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
Why 1800 Loans is the Smartest Move for Your Next Loan
Why 1800 Loans is the Smartest Move for Your Next…
Tips for Sole Traders to Boost Their Borrowing Power (Without the Headaches)
Sole traders are the engine room of Australia’s economy—but…
Credit Scores in Australia: Everything You Need to Know
Your credit score plays a big role in your…
FAQs
Frequently Asked Questions
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.
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.
We offer personal loans, business loans, vehicle finance, asset and equipment finance, chattel mortgages, leasing options, and refinancing.
Yes. We regularly help sole traders, contractors, and self-employed professionals secure finance even with limited documentation.
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.
We compare rates and terms from over 50 trusted Australian lenders and tailor the structure to suit your financial situation and goals.