loans.com.au

From getting pre approvals to settlement of the property, the services we received from loans.com.au has been exceptional. Their internal processes are very efficient, all the agents we had to deal with were extremely professional, knowledgeable and responsive. Show reply

Great service from both Rick & Phill with refinancing our SMSF loan. From the first phone call Rick made everything clear & explained the process perfectly. Our settlement was delayed only thanks to our previous financier holding us until the end of the next month before allowing settlement. Both Rick & Phill were great communicators,… Read more ·  1

professional, obliging and brilliant representatives for your business and product. Very happy to be on board now with a team that values your business and treats you personably rather than a number per where we changed from. Thank you gentleman for your service and making this a great customer experience.

⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐ **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.

I would like to express my sincere appreciation to loans.com.au for providing such excellent service throughout my refinancing process. The team was very professional, helpful, and easy to communicate with. Everything was explained clearly, and the process was smooth and straightforward. Thank you for making everything so easy and stress-free. Highly recommended! Show reply

Trina and Kirby were fantastic to work with. They provided the perfect level of communication and kept me updated throughout the entire process. Friendly, professional and efficient service that made everything easy and stress-free. Show reply

Kim was amazing to deal with! She was always very prompt when responding to my queries, requests for a phone call and always reached out to see how my house hunt was going even when I hadn’t been in touch for a while. The pre approval process was easy and Kim listened to me as to what I was looking for and made the process very smooth. She made… Read more ·  1

the whole process much less stressful. The OnTrack app is also very easy to use. Thank you Kim and the team at Loans.com!

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

When refinance. They playing stall game by putting you in retain team and making excuses not letting you refinance.

Ive just settled my second car loan with Loans.com.au and i must say the whole process was seamless, smooth and fast. Staff were great and their car loans are some of the best value on the market. Show reply

We recently secured our home loan through Rick at loans.com.au and couldn’t recommend him more highly. From our first meeting, he took the time to understand our situation and goals, explained our options clearly, and never made us feel rushed or out of our depth. Rick made the pre-approval process quick and simple, then stayed on top of… Read more ·  1

everything once we found our property, from the valuation through to unconditional approval. He was always responsive, answered every question promptly and kept us updated so we never had to chase anything.

The whole experience was fantastic. The application process was simple and easy to follow, approval was much faster than I expected, Kirby and the team were always available to answer my questions. Their competitive rates were an added bonus. I couldn't be happier with the service I received. Show reply

We have been working with Brent Reynolds on our home loan ans couldn't recommend him and the Loans team more highly. We were originally going through a different company for our pre approval and they took months, asking us to submit the same documents again and again which meant we missed out on getting in before the budget changes. When we… Read more ·  1

were recommended to contact the Loans team we spoke with Brent and he had our Pre approval sorted within 24 hours.

Since then they have been great at communicating with us the whole way through, their document process has been easy to work through with clear instructions and to top it all off they even gave use a lower interest rate than the company that costs us months of wasted time.

Thankyou Brent and the Loans.com.au team

This is my 2nd car loan. 1st one was from dealership 2nd one from private seller. Both times they were quick and straightforward. Really easy to deal with. Really competitive intreat rates. Their app is really easy to use too. If I ever need to loan for a car again theyre the 1st one ill look into. Show reply

Rick made the home loan process straightforward, clear, and surprisingly engaging. I expected getting a mortgage to be dry and stressful, but he was patient and positive from start to finish. He explained everything simply, never rushed me through my questions, and kept the entire experience moving along smoothly. Show reply

We have had a simple and straightforward process from start to finish. Any issues have been met with great communication and answered asap. We will definitely be utilising loans.com.au for any future loans. Thank you Show reply

Great service and easy process! I love the ease of the OnTrack app when submitting documents during applications and the SmartMiney app after settlement. Makes managing everything from my phone easy. Show reply

I recently got a car loan through loans.com.au, and the whole process was quick, clear, and hassle free. Their interest rates beat the dealership by a mile, and the customer service was pretty good, a big thank you to Kirby and the team for being responsive and keeping everything on track. Document uploads were simple, settlement went through right on time, and I'd happily recommend them to anyone. Show reply

Achi and Trina have been very helpful throughout the process. Achi has been especially patient with all my questions and amendments, and I really appreciate their support and assistance. Thank you both for making the process so much easier! Show reply

Full 5 stars from me. The guys at loans.com made everything very easy and the whole process was quick and painless. Had the pleasure of dealing with Kirby and cant recommend her enough!! Show reply

Simple process to get an indicative interest rate rate without sharing too much information (the formal process has more information requirements). The online portal to provide all documentation is simple to use and easy to message an agent. There was frequent contact point before settlement to ensure everything is in order before settlement date (payout date). Overall, quite an easy process to follow (as a first time loan applicant). Show reply

They did it again! loans.com.au and their ontrack system make uploading documents and checking in on the progress of your loan application a breeze. And if there are any dramas, they are so easy to get on the phone and quickly resolve them without a fuss. Settlement went through without a hitch both times (I also have a home loan with them) and I can’t recommend them enough. Show reply