loans.com.au

loans.com.au, Australian online lender

loans.com.au is an online lending entity operating in Australia, offering finance for homes and cars. Its activity focuses on home loans, refinancing, investment loans, self-managed super fund (SMSF) loans and vehicle loans, including cars and caravans. The company presents itself as one of Australia's first online lenders, launched in 2011, and claims to have become one of the country's largest, with thousands of customers served.

Finance products

loans.com.au's catalogue covers different financing needs. In the mortgage segment, the offer includes loans to buy a home, for first home buyers, for construction, fixed and variable rate, bridging loans, investment loans, investment property refinancing, investment property construction, a package called Bold Investor Bundle, expat loans and SMSF loans. Within SMSF, a distinction is made between the SMSF Residential Loan and the SMSF Commercial Loan.

In vehicle finance, the company markets loans for new and used cars, variable and fixed rate, car loan refinancing, a car buying service called Online Auto, and loans for new, used, private sale caravans and caravan refinancing.

The website shows examples of specific products, such as the Variable Bare Home Loan, with a rate from 5.94% p.a. and a comparison rate of 5.98% p.a., with no redraw transaction fees and no monthly or ongoing fees. For car loans, it indicates rates from 5.94% p.a. and a comparison rate of 7.07% p.a., with approval within 24 hours, terms of 3 to 7 years and amounts from AUD 10,000 to AUD 150,000. For SMSF commercial loans, it mentions a rate from 7.69% p.a., with no monthly, ongoing or settlement fees, unlimited additional repayments and the option to split with a fixed rate.

Application process and tools

The company allows you to start the application online and obtain fast pre-approval. Available tools include home loan, borrowing power, refinancing, equity, offset account, car loan repayment, loan-to-value ratio (LVR), extra and lump sum payments, split loan and SMSF borrowing capacity calculators. It also offers property and suburb reports, and a learning guide on home loans and car loans.

Industry recognition

The company attributes several awards from Australian publications and financial entities to its offering. These include the Money Magazine 2026 award for Best Value Investment Loan - Non-Bank Home Loans, the WeMoney 2026 award for Best for Value Home Loans, the Canstar 2026 award for Outstanding Value Award Variable Home Lender and a Finder 2026 Highly Commended mention for First Home Buyer Loan. It also mentions a Money Magazine 2025 award for Best Flexibility in Non-Bank Home Loans.

Customer service and local presence

loans.com.au has lending specialists based in Brisbane, Australia, who serve customers in their language and local time. The company offers support via online chat seven days a week, from 7:00 to 24:00, and also allows booking an appointment with a specialist. Its managing director is Marie Mortimer. The company maintains a social responsibility programme called Women, Children, & Community Program, with initiatives such as participation in Live Like Her Challenge 2026, support for Share the Dignity, collaboration with Childhood Cancer Support, Legacy's Backyard Assist programme and the Brissie to the Bay Bike Ride.

Customer ratings

The website collects an average rating of 4.6 out of 5 based on 750 Google reviews. Testimonials highlight the speed of the refinancing process, the support from specialists and the competitiveness of the rates. Customer experiences with home loans, car loans and commercial SMSF loans are mentioned.