Borrow up to AUD 2,000,000 — No Collateral, No Upfront Fees

AA money Personalised 1-on-1 support through major Australian banks. Fast, secure and transparent — historically up to 95% approval for eligible clients, thanks to our tailored application strategies and guidance that help maximise approval chances and secure competitive bank rates.`

Bank‑funded Unsecured options Free assessment
Get Free Assessment
Finance illustration placeholder

Why Choose Us

Partner Banks

Work with leading Australian banks and reputable lenders. Funds are issued by the bank to you directly.

No Security Needed

Apply without property or asset collateral. Options for personal, business and investment needs.

No Upfront Costs

Assessment, application and support are free. We’re remunerated by partner banks — never by upfront client fees.

Check your borrowing power in minutes — it won’t impact your credit score.

Start Now

Loan Options

Small Loans (AUD 50k – 500k)

  • Unsecured; no guarantor for many applicants
  • Use for study, living costs, vehicle or cashflow
  • Fast digital verification

Large Loans (AUD 500k – 2m)

  • For business growth, investment or major renovations
  • Structured repayments with transparent bank rates
  • Handled end‑to‑end by your loan specialist

Bank Products Overview

CBA

Commonwealth Bank

Personal / HomeIndicative: from ~5% p.a.

Flexible repayments, established major bank.

Learn more

ANZ

Australia and New Zealand Banking Group

Unsecured PersonalIndicative: ~7–12% p.a.

Online application, quick decisions.

Learn more

WBC

Westpac

Variable / FixedIndicative: ~6–10% p.a.

Flexible terms; investment‑friendly options.

Learn more

NAB

National Australia Bank

Personal / BusinessRate: by assessment

Business‑friendly products and transparent fees.

Learn more

MACQ

Macquarie

Home / InvestmentRate: by product

Popular for investment and offset features.

Learn more

ING

ING Australia

Personal / HomeIndicative: competitive

Digital‑first experience, redraw/offset options.

Learn more

SUN

Suncorp

Personal / HomeRate: by assessment

Bundle benefits; insurance ecosystem.

Learn more

BEN

Bendigo Bank

Personal / SMERate: by assessment

Community bank network, personal service.

Learn more

STG

St.George (Westpac Group)

Home / PersonalIndicative: competitive

NSW/QLD strong presence, investor options.

Learn more

BW

Bankwest (CBA Group)

Personal / HomeRate: by assessment

WA‑focused, digital servicing.

Learn more

HSBC

HSBC Australia

Personal / InternationalRate: by product

Global bank; expat & international options.

Learn more

BOQ

Bank of Queensland

Personal / SMERate: by assessment

SME‑friendly with local branch network.

Learn more

*Rates are indicative only and should be confirmed on the lender’s official page. Final terms are set by the bank.

BankTypeIndicative Rates (p.a.)Key featuresLink
CBA Commonwealth BankPersonal / HomeFrom ~5%Flexible repayments; major bankLearn more
ANZ ANZUnsecured Personal~7–12%Online application; quick decisionsLearn more
WBC WestpacVariable / Fixed~6–10%Flexible terms; investor optionsLearn more
NAB National Australia BankPersonal / BusinessBy assessmentBusiness‑friendly; transparent feesLearn more
MACQ MacquarieHome / InvestmentBy productOffset/redraw featuresLearn more
ING ING AustraliaPersonal / HomeCompetitiveDigital experienceLearn more
SUN SuncorpPersonal / HomeBy assessmentBundle benefitsLearn more
BEN Bendigo BankPersonal / SMEBy assessmentCommunity bank; personal serviceLearn more
STG St.GeorgeHome / PersonalCompetitivePart of Westpac GroupLearn more
BW BankwestPersonal / HomeBy assessmentCBA Group; WA focusLearn more
HSBC HSBC AustraliaPersonal / InternationalBy productGlobal bank; expat‑friendlyLearn more
BOQ Bank of QueenslandPersonal / SMEBy assessmentLocal branch networkLearn more

*All figures are indicative only. Please confirm on the lender’s official site. Final approval, rates and terms are set by the lender.

What Clients Say

Client avatar

“Needed AUD 80k for expansion. Assessment was straightforward and we were approved within the week.”

— Daniel, Small business owner (Sydney)

Client avatar

“As a new migrant, my credit history was thin. The team matched a suitable product and guided me clearly.”

— Mei, Professional (Melbourne)

Client avatar

“Bank‑issued funds, transparent steps and a dedicated specialist. Felt safe the whole way.”

— Pranav, Investor (Brisbane)

FAQs

Do you charge any upfront fees?

No. Assessment and support are free. Banks cover our costs where applicable.

Can I apply with limited credit history?

Yes — we’ll review your situation and suggest options. Final approval is at the bank’s discretion.

How fast can I get a decision?

Initial assessments often take 1–3 business days, depending on documentation and lender.

Is collateral required?

Unsecured options are available for eligible clients — no property or asset security required.

Get Your Free Assessment