National · Australia
Finance broker serving customers Australia-wide
Compare car, personal and business finance by phone and online, with access to a panel of 50+ lenders. RateSmart's office is in Melbourne.
Finance support across Australia
Compare car, personal, business vehicle and equipment finance without visiting a branch. RateSmart works by phone and online across Victoria, New South Wales, Queensland, Western Australia, South Australia, Tasmania, the Australian Capital Territory and the Northern Territory.
- Consumer and business finance
- 50+ lenders in the lender panel
- 15+ years of broker experience
- Phone and online service
National coverage
Phone and online support across every state and territory
The enquiry process can start remotely from any region below. RateSmart's office is in Melbourne; lender coverage and eligibility still vary.
- VICVictoria
- NSWNew South Wales
- QLDQueensland
- WAWestern Australia
- SASouth Australia
- TASTasmania
- ACTAustralian Capital Territory
- NTNorthern Territory
Australia-wide client review
“I’m in Brisbane and Kevin made the whole experience stress free.”
The reviewer explicitly described receiving RateSmart’s support while in Brisbane.
Read RateSmart reviews on GoogleHow it works
Enquire and provide documents online
Discuss options by phone and exchange documents digitally from anywhere in Australia. RateSmart's office is in Melbourne.
- 01
Describe what you need to finance
Share the asset or purpose, approximate amount and timing.
- 02
Confirm the documents required
A broker explains the identity, income or business records relevant to the request.
- 03
Compare suitable lender terms
Compare rates, fees and conditions. Approval and pricing remain subject to lender assessment.
Finance options
Car loans
Compare suitable car loans with a broker before choosing your next vehicle. Get help with new, used and eligible private-sale purchases, costs and next steps.
Personal loans
Get help understanding personal loans for planned purchases and expenses. A broker can explain suitable secured or unsecured options, costs and what a lender may need.
Commercial loans
Tell us the asset, business use, purchase amount and available records. A broker can compare suitable options.
Equipment finance
Tell us the equipment, supplier, purchase amount and available business records. A broker can compare suitable machinery and equipment finance options.
Australia-wide finance FAQs
Which Australian states do you cover?
RateSmart works with customers in Victoria, New South Wales, Queensland, Western Australia, South Australia, Tasmania, the Australian Capital Territory and the Northern Territory. Lender eligibility still depends on your circumstances and the asset or purpose.
Is RateSmart a lender?
No. RateSmart is a finance broker. Approval, pricing and final terms remain with the lender.
Does RateSmart have offices in every state?
No. RateSmart's office is in Melbourne. Customers elsewhere in Australia can enquire by phone and online without needing to visit a branch.
Are the same finance options available everywhere in Australia?
Not necessarily. Lender coverage, eligibility, the asset or purpose and your circumstances can affect which options are available. Australia-wide service describes how RateSmart can assist, not guaranteed lender availability.