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 every state and territory.
- Consumer and business finance
- 50+ lenders in the lender panel
- 15+ years of broker experience
- Phone and online service
How 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
Tell us the vehicle, seller, budget and timing. A broker can compare suitable lender options.
Personal loans
Tell us the purpose, amount, budget and preferred term. A broker can compare suitable secured and unsecured options.
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 options.
Australia-wide finance FAQs
Which Australian states do you cover?
RateSmart works with customers across every Australian state and 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.