How It Works
You do three things. We do the other forty. Here is exactly what happens between your first click and the keys in your hand.
The short version
Most of the work in a finance application is invisible. Here is how it splits.
Your job
3 things
Roughly fifteen minutes in total.
- Tell us what you need
- Upload ID and income evidence
- Approve the lender and sign
Our job
Everything else
Around forty separate checks and tasks per application.
- Verify and package your whole file
- Compare policy across 50+ lenders
- Structure the deal for approval
- Negotiate rate and clear conditions
- Coordinate the dealer and settlement
Step by step, start to settlement
Nothing hidden. Each step shows what you do, what we do, and where it leaves you.
- 1
You tell us what you need
2 minutesA two minute form. How much you want to borrow, and how to reach you.
What you do- Tell us the amount and purposeA rough number is fine to start with.
- Leave your name, mobile and emailSo we can confirm and keep you updated.
What we do- Log your enquiry instantlyIt lands in our pipeline the second you press submit.
- Assign a real person to your fileMatched to a specialist for your asset type and state.
- Confirm by email and SMSYou get a reference number within 60 seconds.
Where that leaves youYour file is open and a specialist owns it. - 2
We collect and check your details
Same dayYou upload a few documents. We do the checking, chasing and tidying.
What you do- Upload ID and two payslipsDriver licence or passport, plus recent income evidence.
- Sign one privacy consentDigital signature so we can compare lenders for you.
What we do- Verify identity and incomeDocuments checked against lender evidence rules.
- Read your bank statementsIncome, conduct and commitments confirmed line by line.
- Pre-fill everything we already knowYou never type the same detail twice.
- Chase anything missingFriendly SMS reminders so nothing stalls your file.
Where that leaves youA complete, lender ready file with no back and forth. - 3
We structure the deal
2 to 4 hoursThis is the part you never see. We build the strongest version of your application.
What you do- NothingWe only contact you if something needs clarifying.
What we do- Assess your credit profileReviewed against current lender appetite, no hard credit hit.
- Run servicing and HEM checksWe confirm the repayment fits your real monthly budget.
- Optimise term, deposit and balloonSmall structural changes can move you into a better tier.
- Pre-empt lender objectionsAnything a credit assessor would question is explained upfront.
Where that leaves youAn application built to be approved first time. - 4
We match you to the right lender
24 to 48 hoursWe compare our panel, recommend one lender, and only submit once you say yes.
What you do- Read our recommendationRate, term and repayment in plain English.
- Give us the go aheadOne click. Nothing is lodged without your approval.
What we do- Compare 50+ lendersMajor banks through to specialist non bank lenders.
- Match policy, not guessworkAge of asset, employment type and credit history all checked against policy.
- Negotiate your pricingWe push for the sharpest rate your profile qualifies for.
- Submit and manage the assessorWe answer the lender's questions so you do not have to.
Where that leaves youA clear recommendation, then an approval, with no surprises. - 5
We settle and you collect
3 to 7 daysWe handle conditions, the dealer and the money. You sign and pick up the keys.
What you do- Sign your contractDigital signing in your portal, about five minutes.
- Collect your assetFunds go straight to the dealer or seller.
What we do- Clear every lender conditionInsurance, payouts and verification calls coordinated for you.
- Deal with the dealer or sellerTax invoice, payout figures and settlement booking handled end to end.
- Confirm funds are disbursedSettlement confirmation by email and SMS the moment it lands.
- Stay with you after settlementRefinance, payout figures and your next purchase, any time.
Where that leaves youSettled, keys in hand, and someone still on your side.
What happens behind the scenes
You see five steps. Underneath them sits a long list of work that never reaches your inbox.
Verification
- Identity document checks
- Income and employment confirmation
- Bank statement conduct review
- Living expense and HEM benchmarking
- Existing commitment reconciliation
Lender research
- Policy match across 50+ lenders
- Asset age and type eligibility
- Credit history and default policy
- Employment type and probation rules
- Postcode and security restrictions
Structuring
- Term and balloon modelling
- Deposit and trade in positioning
- Fee and rate tier comparison
- Repayment affordability testing
- Written recommendation for you
Settlement
- Lender submission and follow up
- Condition clearing and evidence
- Insurance and PPSR confirmation
- Dealer or seller coordination
- Payout and disbursement checks
None of it costs you anything. There are no application fees and no broker fees. We are paid by the lender once your loan settles.
What you need to apply
A short checklist, that is it.
- Proof of identityDriver licence, passport, or Medicare card
- Evidence of incomeRecent payslips, or tax returns if self employed
- Vehicle details (optional)Or apply for pre approval before you shop
Typical turnaround
24-48h
Credit decision on most applications
3-7 days
From final approval to settlement
For urgent purchases, ask about expedited processing.
ACL 509582
Australian Credit Licence
AES-256-GCM
Bank grade encryption
AFCA 96925
Member, dispute resolution
50+ lenders
Compared on every deal
FAQ
Common questions about the process
Everything customers ask before getting started. Tap any question to expand the answer.