Financial product reviews

A total of 36 independent reviews.

Prospa is an ASX-listed small business lender (ASX: PGL) offering unsecured business loans from AUD 5,000 to AUD 500,000. Loan decisions are typically delivered within one business day. Prospa is a me…

  • ASX-listed lender with strong market reputation
  • Decisions typically within one business day
4.4
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Capify offers unsecured business loans from AUD 5,000 to AUD 400,000 using a merchant cash advance and term loan structure. The lender focuses on businesses with consistent revenue and uses daily repa…

  • Daily repayment structure aligns with cash flow for some businesses
  • Merchant cash advance option available
4.1
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OnDeck Australia offers term loans and lines of credit to Australian SMEs from AUD 10,000 to AUD 250,000. Decisions are typically available within one business day using proprietary decisioning techno…

  • Established international brand operating in Australia
  • Term loans and line of credit options available
4.2
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Moula is an Australian fintech business lender offering unsecured term loans from AUD 5,000 to AUD 500,000. The lender uses accounting software integration and bank statement analysis for rapid decisi…

  • Accounting software integration accelerates assessment
  • No property security required
4.3
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Lumi Finance offers unsecured and secured business loans from AUD 5,000 to AUD 300,000 for Australian SMEs. The lender uses Open Banking and accounting data for rapid assessment and holds Australian C…

  • Terms up to 36 months longer than many SME lenders
  • Both unsecured and secured options available
4.1
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Grow Finance provides business loans and equipment finance to Australian SMEs from AUD 10,000 to AUD 500,000. The lender offers both secured and unsecured products and holds Australian Credit Licence …

  • Equipment finance available alongside business loans
  • Loans up to AUD 500,000
4.2
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Nimble is one of Australia's best-known short-term lenders offering small amount credit contracts (SACCs) from AUD 100 to AUD 2,000 and medium amount credit contracts (MACCs) from AUD 2,001 to AUD 5,0…

  • Government-mandated fee caps protect borrowers from excessive charges
  • Same-day funding available for eligible applicants
4.0
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Sunshine Loans is an Australian SACC lender offering loans from AUD 500 to AUD 2,000 with terms from 2 to 6 months. As a SACC provider, fees are capped under federal legislation. Sunshine Loans holds …

  • Fee caps mandated by federal law protect against excessive charges
  • Same-day funding for eligible applicants
3.9
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Cash Converters offers small amount credit contracts (SACCs) through its Personal Finance product, available in-store and online. The product covers amounts from AUD 50 to AUD 2,000 under ASIC-regulat…

  • Widely accessible through retail store network
  • Government-mandated fee caps on SACC products
3.8
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Wallet Wizard is an Australian short-term lender offering loans from AUD 200 to AUD 5,000 as both SACC and MACC products. The lender uses an ongoing credit facility model rather than single fixed loan…

  • Revolving credit line allows drawdown and repayment flexibility
  • Same-day funding for initial drawdown
4.0
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Swoosh Finance offers short-term SACC loans from AUD 200 to AUD 2,000 for Australian borrowers needing fast access to small amounts. As a SACC lender, fee caps mandated under federal law apply. Swoosh…

  • SACC fee caps provide legal protection against excessive charges
  • Same-day funding available
4.0
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Harmoney's personal loan can be used for debt consolidation, allowing borrowers to combine multiple debts into a single loan with a fixed rate and term. Loans from AUD 2,000 to AUD 70,000 are availabl…

  • Rates from 5.76% p.a. can significantly reduce credit card interest costs
  • Single monthly repayment simplifies debt management
4.5
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Wisr's personal loan is commonly used for debt consolidation, combining multiple debts into a single fixed-rate loan. The ASX-listed lender offers a soft credit check before a formal application, whic…

  • Soft credit check allows rate estimate without credit file impact
  • Rates from 6.49% p.a. competitive for consolidation of high-rate debt
4.4
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Plenti offers personal loans for debt consolidation from AUD 2,000 to AUD 50,000, with rates starting at 6.57% p.a. The ASX-listed lender uses Open Banking to verify income and streamline the assessme…

  • Competitive rates from 6.57% p.a. for qualified applicants
  • Open Banking integration for faster income verification
4.4
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MoneyMe's personal loan can be applied to debt consolidation, with same-day funding available for eligible applicants. The ASX-listed lender offers loans from AUD 2,000 to AUD 50,000 with terms from 1…

  • Same-day funding enables fast debt consolidation
  • Short terms from 12 months for aggressive debt payoff
4.2
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SocietyOne offers personal loans for debt consolidation from AUD 5,000 to AUD 50,000 with fixed rates. One of Australia's original fintech lenders, SocietyOne uses risk-based pricing to reward borrowe…

  • Competitive rates from 6.99% p.a. for strong credit profiles
  • Fixed rate provides repayment certainty over the loan term
4.3
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