Easily compare tons of options to find your best
Easily compare tons of options to find your best
Loans play a crucial role in helping Australians achieve their financial goals, whether it’s managing unexpected expenses, consolidating debt, or investing in business growth. With a wide range of loan options available—including personal loans, business loans, and unsecured loans—borrowers can find solutions tailored to their unique needs. Each loan type comes with its own eligibility criteria, repayment terms, and interest rates, so it’s important to understand what fits your situation best. Using a loan calculator can help you estimate your monthly repayments and total interest, making it easier to plan ahead. Your credit score is also a key factor, as it influences both your eligibility and the interest rate you’ll be offered. By comparing different loan options and understanding the terms, you can make informed decisions that support your financial wellbeing, whether for personal needs or business purposes.
Easily compare tons of options to find your best. The loan application process can be completed online in under 10 minutes.
When comparing personal loans, cash loans, or a business loan, many lenders allow you to see your personalised rate and repayment estimates upfront, making it easier to choose the best option for your needs.
Term: 12 Months – 24 Months.
Rates: Maximum Interest rate: 45.99% p.a.
Comparison Rate:37.10% p.a. to 65.70% p.a.
Establishment Fee: $400
Example: This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.
Term: 12 Months – 5 Years or more.
Rates: Interest rate: 14.2% p.a.*
Comparison Rate:14.65% p.a.
Example: Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.
Being aware of your credit score may allow you to negotiate a better rate with some lenders.
A credit assessment is typically conducted as part of the personal loans, cash loans, or business loan application process to determine your eligibility and lending limits. Many lenders conduct credit checks to assess eligibility.
All commercial vehicles are welcome to be financed through loans buddy. You can apply for $20K to $2 Million for Trucks, Vans, Utes, Concrete trucks, prime movers, and other motor vehicles with at least one year old running ABN.
Give a push to your business with cash flow from $20K to $1 Million. All established SMEs and Startups (with security) are welcome to submit applications. Don’t let money become an obstacle in your business.
An equity loan, also known as a home equity loan or a second mortgage, is a type of borrowing offered by Loans Buddy that allows homeowners to access the equity built up in their property.
Purchase your dream car with our secured and unsecured car loan options. Borrow from $20,000 to $100,000, according to your requirements. All you need is a regular job with enough income to pass your car loan eligibility test.
Money emergencies may occur at any time. Whether it is for pending bills, car repairs, goods purchased, or a travel emergency, we are always here to help you with some quick cash. Borrow from $2100 to $15,000 the same day. Just fill out our online application and complete read only e-bank statement submission.
The transportation of stock is a must in every business. Rented vehicles might become a headache sometimes. Get your own commercial vans, utes, cars, and other vehicles with our business vehicle loans. Borrow from $20K to $1 Million within 48 hours of approval.
A loan calculator is an essential tool for anyone considering a loan, as it allows you to estimate your monthly repayments and the total interest you’ll pay over the life of the loan. By entering the loan amount, interest rate, and loan term, you can see how different scenarios affect your cash flow and overall costs. This helps you choose loan options that fit your budget and avoid surprises down the track. It’s also important to review the repayment terms, including any early repayment fees or establishment fees, to ensure you’re aware of all potential costs. Understanding these details upfront empowers you to manage your repayments effectively, make extra repayments if possible, and keep your finances on track. Using a loan calculator before committing can help you compare options and select the loan that best meets your needs.
Managing your loan effectively starts with setting up a dedicated bank account for repayments. This makes it easier to track your loan balance, monitor your repayment schedule, and see exactly how much interest you’re paying. Many lenders now offer online loan management tools, giving you the flexibility to check your account, make extra repayments, and update your details at any time. By staying on top of your loan account, you can avoid missed payments and unnecessary fees, ensuring your business or personal finances run smoothly. Making additional repayments when possible can also help reduce the total interest paid and shorten your loan term, giving you greater control over your financial future.
We are taking care of every aspect of business. To fulfil working capital needs, we have designed plenty of loan products for business owners. Many customers appreciate the flexible repayment options available for both personal and business loans, which allow borrowers to tailor payments to their cash flow. Please take a look at the below products. Let us know which one fits best for you.
Loan Term 1 month to 6 Months No payments during the loan term No credit check no Financial 60% LVR required Funding within 24 hours
Unsecured: 12.95%p.a. Funding within 24 hrs. Term: Upto 5 yrs Ideal For: Day-to-day Capital and Business Cash Flow, helping to keep your business running smoothly by maintaining steady cash flow.
Rates from 6.42%p.a. Funding within 48 hrs Term: Upto 7 yrs Ideal For: Machinery, Tools, other Assets Purchase, and can also be used to purchase inventory if needed.
Rates from 6.42% p.a. Funding within 48 hrs Term: Upto 7 yrs Ideal For: Commercial Vehicle Purchase; such as Truck, Van, Ute and Car etc.
Rates from 4.9% p.a. Funding within: 6-12 weeks Term: Upto 30 yrs Ideal For: Purchasing a new commercial property, such as office or warehouse.
Rates from: 6.95% p.a. Funding within 3-6 weeks Term: upto 2 yrs Ideal For: Finance for the purpose of comprehensive renovations or major new building projects.
Comparing loan options is a smart way to find the best deal for your personal or business needs. When evaluating loans, it’s important to look beyond just the interest rate—consider the loan term, eligibility criteria, repayment terms, loan amount, and any establishment fees. The comparison rate is a useful figure, as it combines the interest rate and most fees to show the true cost of the loan. By carefully reviewing these factors, you can identify which loan options offer the best value and avoid costly mistakes. Whether you’re borrowing for business finance or personal reasons, taking the time to compare loans ensures you choose a product that aligns with your goals and financial situation.
Hidden fees and complex loan terms can significantly increase the cost of borrowing, so it’s essential to read the fine print before signing any agreement. Common fees to watch for include establishment fees, monthly fees, and early repayment fees, which can add up over time. Traditional lenders may have more complicated terms and additional hidden fees, making it even more important to review your loan contract carefully. Understanding the full details of your loan—including the interest rate, loan term, repayment schedule, and all associated fees—can help you avoid unexpected costs and negotiate better conditions. By staying informed and asking questions, you can protect yourself from financial surprises and ensure your loan supports your long-term goals.
Application is easy, all you need to click on “Apply Now”, “Eligibility Check” or “Get Started” button. Complete the application form by filling up all the details and submit it. One of our lending partners will contact you in the next business hours.
For most loan approvals can be in as little as 24 hours, once you submit all the required documents. Moreover, this is dependent on the heath of your business, but we will always get the loan approved as fast as possible, and we will be in contact to provide updates as often as you need.
Your ABN/ACN details, driver’s licence, trading business bank details and some basic details about your business, this may include how long it has been operating, the structure and turnover. The more details you have, the better.
The longer a business has been operating, the easier it is to get approved. However, we will examine each business as it currently stands. A new venture may be a higher risk, but that does not mean approval is impossible. Get in touch today so we can find a loan provider that suits.
The length of the loan can be determined by yourself and the business loans provider. However most often the terms are from 91 days to 5 years or more. It depends on the type of loan you are applying for.
The loan can be used for any business endeavour. If you can provide details on what the loan will be used for and how it will affect your business, this can go in your favour for reducing your business risk assessment.
Borrowing money can feel overwhelming, especially when information online is rushed, sales-driven, or unclear. These questions aim to explain personal loans, cash loans, and business loan options in plain English, with a focus on how things usually work in Australia.
In everyday use, people often mean different things by these terms.
Personal loans usually refer to structured borrowing with set repayments over time. Cash loans are often shorter-term and used for urgent needs. The key difference is not the name, but:
The label matters less than understanding the commitment you’re taking on.
An unsecured personal loan doesn’t require you to offer an asset as security, such as a car or property. That can reduce the immediate risk of losing something you own, but it doesn’t remove responsibility.
Because there’s no security backing the loan, repayments need to be managed carefully. Missed payments can still affect your credit record and future borrowing options.
This is a common situation, and it’s often misunderstood.
Having bad credit doesn’t automatically mean “no,” but it usually means fewer options and closer scrutiny. In Australia, lenders will typically look at:
If you need a loan urgently but have bad credit, the most important step is understanding affordability first, not speed.
While details vary, the loan application process tends to follow a familiar pattern:
Some platforms allow you to apply online in minutes, but that doesn’t mean the decision itself is rushed behind the scenes.
Online applications are widely used and generally safe when handled by licensed providers. That said, safety depends on what you share and where.
Before applying, it’s sensible to check:
Convenience should never replace clarity.
A business loan is usually more appropriate when money is being used clearly for commercial purposes — such as equipment, stock, or expansion.
Mixing personal loans with business finance can blur accountability. Keeping them separate often makes it easier to track performance and understand whether the business itself can support the borrowing.
Yes, size alone isn’t the deciding factor.
Many small operators use business finance to stabilise cash flow or invest carefully to grow your business. What matters more is whether the borrowing aligns with realistic revenue and timing, not optimism alone.
For a business loan, assessment often focuses on:
Clear records usually matter more than impressive projections.
Approval doesn’t always mean suitability.
Sometimes the numbers work on paper but don’t leave room for real life — slower months, unexpected expenses, or stress. A loan should support stability, not create pressure that’s hard to escape.
Taking time to reflect is often more valuable than taking the fastest option.
A loan fits when:
If borrowing helps you move forward without constant worry, it’s likely aligned with your needs.
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You will within five working hours of submitting your application and get approved
After approved, we will can you to work out the details. We sent money within hours of approved.
Understand what is the loan amount you are eligible for and what would the EMI be.you can apply as per your eligibility.
Loansbuddy.com.au is owned by Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice.We strongly recommend you take independent advice before choosing any loan product.
INSTANT TRANSFERS
*Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.
