loans.com.au

A big thank you to Rena for making the whole loan process so easy, smooth and stress-free. She was extremely helpful, friendly and always quick to respond. Also, a special thanks to Ann, who handled the settlement so efficiently and got everything organised in less than 24 hours. Both of you provided exceptional service and made the whole process very easy. Really appreciate all your help! Highly recommended. Show reply

Team was very helpful. Walk us through the application process and successfully settled the loan. The conditional approval came immediately however, the final settlement took little longer due to challenges with seller end paperwork. Team arranged continuous support via phone and online. Regards Show reply

⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐ **There should be a 10-star option!** I’m extremely happy with Jessica and the entire loans.com.au team for the outstanding service and support throughout my home loan journey. I applied for pre-approval on 5 July, and amazingly, I received my pre-approval within just 24 hours. At the same time, one of my friends suggested that I also… Read more ·  1

consider another reputable bank that offered more flexibility, so I went ahead and obtained pre-approval from them as well.

Eventually, I made an offer on a property with a 21-day finance approval condition. Unfortunately, I still hadn’t received confirmation by the 19th day, and I started to panic as I had only 48 hours remaining.

That’s when I reached out to loans.com.au again and explained the situation to Jessica. She immediately gave me confidence and reassured me that if I provided all the required documents promptly, they would do their best to achieve the approval before settlement.

I did everything I could to provide the paperwork on time, and Jessica and the team delivered — I received my final approval in less than 48 hours!

As a customer, this experience really made me realise that it’s not just about how reputable a bank is or how flexible the product may be. The level of service, communication, support and commitment you receive when things get stressful matters just as much.

Jessica was absolutely fantastic throughout the process. She gave me confidence when I was under pressure and helped make what could have been a very stressful situation much easier.

**Jessica and the entire loans.com.au team — you are simply the best!

I am extremely grateful for your support and commitment. I honestly couldn’t recommend your service highly enough.

**10/10 is not enough — highly, highly, highly recommended! ⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐**

Thank you once again, Jessica and the loans.com.au team. Hats off to you!

In these past few days of dealing with Loans.com.au, I’ve learned that fairness has become a battle, and when it finally reaches us, it comes dressed as charity, not as a right. Over the past seven years, they have changed from being easy to deal with to becoming very inhuman and mechanical. I recently had an experience with them regarding my car… Read more

loan. I had fully paid off the loan about six months before the end of the term, and they stopped the automatic debit. Naturally, I was under the impression that my loan had been closed.

After six months of inactivity, I received a call informing me that I still owed outstanding money. I explained that the loan had been paid off six months earlier and that they had kept me in the dark by disabling the auto-debit from my account—the only way I could have known that the loan was still active. During this period, they continued charging monthly fees and 8.75% interest and disabled the auto debit which was the only indicator for me.

Understandably, I was frustrated and attempted to lodge a complaint. However, they were unwilling to accept it, attributing the issue to a “system problem” that stopped the auto-debit while continuing to charge fees and interest. Left with no alternative, I contacted AFCA (https://www.afca.org.au/), who helped me obtain an escalation point within Loans.com.au.

The escalation officer later responded with the following detailed explanation:

“ Please note that we require express written instructions from clients who seek to have their loan accounts closed to ensure that account closures progress in line with our internal processes. I have reviewed our history notes and cannot see that any written request has been made by you previously to close the account. Since the interest and management fee debits also occurred simultaneously with your final credit, your account was not flagged by our system, where ordinarily a staff member would reach out to you to enquire if you wished to arrange closure of your account prior to the end of the loan term.

Presently, your account has an outstanding balance of $49.30, being management fees and interest charged since 24 August 2025 pursuant to the terms of your loan agreement. We are willing to waive this amount and close your account as full and final resolution of this complaint. Please confirm you are agreeable to this and I will arrange for this to be done.”

After alot of stress, and escalation, I was finally offered “fairness”—not as a right, but as a gesture of goodwill, and only on the condition that I accept it as a final resolution.

Exceptional Service on Our Investment Home Loan We recently completed another investment home loan with this lender, and once again, the service we received was exceptional. We would like to extend our heartfelt thanks to Sharon, Tiffany, Liam, Lee, Phil, Ray, Jasmin, Laura, Stuart and former team member Tannah for their outstanding support… Read more ·  1

throughout the assessment process, pending settlement process. With a contract deadline to meet, I frequently reached out to check the status of our application, and every interaction was met with professionalism, prompt updates, and a genuine commitment to helping us succeed. Their coordination and attention to detail ensured a smooth and timely approval. This loan, like our previous ones, was structured as a stand-alone facility—not cross-collateralized—allowing us to strategically use the equity as a deposit toward another investment property. The team’s expertise ( Sharon who assisted us on our SMSF 5 yrs ago and Tannah Beatie for our 2 years IP searching) and responsiveness made this process seamless and stress-free.

We truly appreciate their dedication and high standard of service, which continues to reinforce our trust and confidence in the company.

Loans.com.au was recommended to me by a close friend nearly a decade ago now. My husband and I were attracted to the competitive interest rates and refinanced two of our loans with them. Back in the day we have struggled with their online application portal, but the team simply got us to send everything via email and it was all resolved quickly… Read more ·  1

and easily.

More recently we have signed up for our fourth loan through loans.com.au and had no issues with the online application portal. We were also happy with their service, interest rates and lack of fees once again.

We have called Loans numerous times to discuss different properties we were looking at, how much money we could loan, interest rates, offset ACs, etc. and every time we get someone knowledgeable and friendly. They have so much patience for the multitude of questions, are easy to get through to on the phone and I consistently get to speak to the same team members.

Over the years I have recommended them to friends and family as a fantastic non bank lender, that can help to lower mortgage repayments. The feedback is always positive from those that take my advice and give them a go.

If you are like me and after a no frills low cost loan for your investment then give these guys a try. I highly recommend them. Brent and Harriet helped us get a loan and kept us up to date with the progress. Certainly felt like a personal bank service to me and something I haven't experienced from the major lenders. Thank you. Show reply

This has been genuinely the most impressive level of service I have ever received! I was in a particularly difficult situation with a previous lender where I needed to secure financing by a very tight deadline and Kimberly at Loan.com.au went above and beyond to ensure that my loan was expedited and the entire process was explained clearly and… Read more ·  1

went much smoother and aster then I could have hoped for. Thank you so much Kimberly and the Loans.com.au team!!

Contacted Kimberly from Loans.com after a Google Search on the last day Residential Lending was permitted for SMSF Loans. Kimberly compared our request to Loans.com guidelines and got an application submitted which was subsequently approved. This was after we had been dealing with a broker for about 2 weeks prior who advised time had run out on the last day. Process was easy. Glad a made the call Show reply

My experience with loans.com.au was extremely disappointing. The entire process left me feeling like the company was more interested in collecting my personal information than genuinely assessing my application. After providing all of the requested documents and personal details, my application was declined without any meaningful explanation. The… Read more

communication felt dismissive, and I was left feeling as though I was being treated like I had done something wrong. A simple, transparent reason for the decision would have made a huge difference.

The application itself was straightforward enough, but that means very little when the outcome is delivered with no real feedback or respect for the customer. I wouldn't recommend loans.com.au based on my experience, and I won't be using their services again.

Wanted to get quote booked a call for 430pm checked on their site was told was booked 445pm no call messaged on site got asked a heap of questions I asked someone to call me they wouldn’t I’ll find another company to get a loan with Tried ringing their main number had to leave message and someone would ring me in 24HR.Why let customers book calls… Read more

and non one rings and then you call up and can’t speak to anyone not good customer service? Now today got email saying loan details are ready for me? I’ve not given you any details I haven’t spoken to anyone it said set up a call got to internet link wouldn’t work called had to leave message? It’s a wonder you get any customers if this is how a first time inquiry is treated? Now after all this I just got a call from your company ? I want nothing to do with your company? 3 Days 3 Days since I booked a call online not good

Absolute waste of time and energy. Two months of back and forth for nothing. It’s clear nobody actually reviewed the financial documents I submitted from the start. I went as far as getting a contract signed on a property, only to be rejected at the final stage, despite my financial situation being exactly the same as what was provided for pre… Read more

approval.

To make it worse, I then received full approval from Westpac with no issues. I was dealing with Jessica on the admin side, while an incompetent finance team seemed to be making decisions in the background without properly assessing the file. Zero accountability, zero transparency. I’d love to see their loan book, probably running on fumes.

Stay clear.

Used loans.com.au previously for a vehicle, I didn't consider anyone else when I needed a new loan for another vehicle. Good customer service and easy to follow process. Show reply

the best lender by a mile. excellent efficient process, excellent friendly professional service , lowest interest rate every time without having to negotiate. minimal fees no other ongoing fees like banks . i challenge anyone to come up with a better lender. Show reply

Very informative, helpful and guidance when required. Friendly consultants keeping me updated. A decent home loan percentage rate. Overall, I would highly recommend Loans.com to anyone considering a loan or to refinance. Show reply

We had an outstanding experience working with the loans team. A special shout out goes to Brent and Lee. From day one, they were highly professional, exceptionally good communicators, and always easily contactable. They kept us updated at every single step, which gave us complete peace of mind and knowledge of the process. What truly set them… Read more ·  1

apart was their deep knowledge and efficiency; they explained complex financial terms in simple language and processed our paperwork faster than expected. They tailored their advice perfectly to our budget and showed genuine understanding of SMSF requirements and in the context of our portfolio thus making the entire lending journey stress-free. Whenever we missed a hurdle they were solutions focussed and quick to explain. We highly recommend their services and Loans dot com to anyone looking for a smooth, seamless lending experience.

Kimberley provided outstanding service throughout my SMSF home loan application. She guided me efficiently through every stage, followed up regularly, and answered all my questions clearly. With Kimberley’s excellent guidance and the well-structured OnTrack platform, the approval process was quick and easy. I am now awaiting settlement and am confident it will be just as smooth. Highly recommended! Show reply

Excellent services from everyone in the loans.com team. We feel very supported by everyone, from the receptionist to the lending manager. Also the Ontrack system to monitor the status of the loan application is easy to get familiar with, and provides real-time updates on status of the application. We are very grateful for all the support provided during the process. Kind Regards, Ivan Show reply

I was happy with the service. Brent and Lee were able to get me a loan for a commercial property using my self managed super fund. They always returned calls and were patient and made things easy to understand. Thank you. Show reply

This is my first time with Loans.com.au for a car loan, and found the process generally pain free. I chose loans.com.au due to their competitive rates, and the fact that I wanted to be in control when purchasing a new car, with the finance conditionally available. I enjoyed using their portal for collection of all documentation, as it made it… Read more ·  1

easy to keep track of what was needed. I am disappointed that I cannot recollect the initial person I was dealing with (Rica?) who was extremely helpful, but suffice to say, each person I dealt with was most helpful.

However the proof was the follow up support (after settling), and I found it easy making contact with them, and they were extremely helpful in making a small adjustment, with no fuss at all.

Fast loan approval. Lowest interest rate. Hassle free. Easy to manage loan. Friendly prompt assistance – The tittle says it all. I highly recommend loans.com.au if you need a good deal. Show reply

Great products and services, but why is it sooooo slow to BPay and to transfer money to another financial institution from our offset account? It's really my only gripe... but it's a big gripe when you need quick access to your money. Show reply

Hopeless people. Even after submitting all evidence they did not approve the home loan. Went to my bank next day and got the loan approved the same day. What a waste of time. Idiots.

I had an excellent experience with Loans.com.au. The team is very helpful, knowledgeable, and highly experienced. They offered very competitive interest rates along with outstanding service, which made the whole process smooth and stress-free. With their support, I was able to grow my real estate portfolio and purchase multiple investment… Read more ·  1

properties. A special thanks to Sonia, who has been an incredible consultant throughout my investment journey. Her expertise, advice, and guidance made the entire home loan process seamless. The online platform for loan progress and communication also made everything much easier.

I strongly recommend Loans.com.au to anyone looking for home loans. The team went above and beyond to help me with my purchases, and I am truly grateful. Thank you again to Sonia and the whole team!