Consumer finance

Tell RateSmart what you plan to finance, the budget and timing. A broker can compare suitable options from a panel of 50+ lenders.

Car loans

Car loans and finance for new, used, dealer and private-sale vehicles.

Secured and unsecured personal loan options with costs explained.

Boat loans and finance for eligible vessels and personal watercraft.

Motorbike loans and finance for new, used and eligible bikes.

Choose the right starting point

The asset, seller, security, term and fees can change which options are suitable.

Cars, boats and motorbikes may support secured loans. Other personal purposes may be assessed differently.

The seller can change the checks, documents and timing required before settlement.

Compare the scheduled repayment, fees, total interest and any balloon together.

Explain whether you are researching, negotiating or ready to buy so the broker can focus on the relevant next step.

Related guidance

Review the costs, documents, eligibility and timing that may affect your finance options.