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How we work

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Australia’s most accessible financial broker

At Oceania Finance we’re about fast, friendly service. Our team of expert finance brokers are here to make your finance journey a breeze.

Our simple 3-step process is designed to give you a tailored finance service without all the hassle. And all from the comfort of your own home.

 

How to get a personal loan online in 3 steps

 

Step 1: We listen

You tell us about your circumstances and what finance you’re aiming to secure. We can help you find a particular type of loan or recommend a loan type based on what you need to finance.

If you know exactly what you want to finance and what type of loan you want, great! We can recommend a particular lender based on your requirements and situation. And if you’re not quite sure how much you’ll need or what type of loan would be the best fit, that’s fine too. We can help you understand your options and what might be the best fit to suit your needs.

Either way, we’ll be here through 100% of the process to take care of the application and get you finance, fast.

 

Step 2: We Search

Based on the information you provide and our assessment of your financial situation, we’ll quickly review your finance options. Due to the large network of lenders in our portfolio, we have access to a wide range of both general and specialised loans to suit your individual needs.

We’re able to help people in a wide range of personal, business, and financial situations. So even if you find it difficult to meet standard finance eligibility requirements, we can help you get a suitable finance solution.

Personal loan eligibility

The exact eligibility criteria will depend on the loan and lender you choose. But there are some basic criteria that you will need to meet:

  • Be over 18 years old
  • Permanent Resident or a valid visa holder of Australia
  • Have a regular income
  • Employed for at least 3 months or have an ABN/ACN
  • Have not filed for bankruptcy

You don’t need to worry too much about eligibility, we’ll only recommend a loan to you if you meet all the eligibility criteria.

 

Step 3: We Secure

After we review your options, we’ll present you with a shortlist of the best lenders and make recommendations. Once you choose the option that suits you best, we will handle the application for you. This includes negotiating terms with the lender to get you a more tailored finance solution.

We’ll make sure all the necessary documents are included to ensure you have a smooth, stress-free finance experience and a tailored loan agreement.

And that’s our process – simple, easy, fast. We do the legwork, so you can focus on life’s more important things.

Contact us today if you’re ready to start your finance journey.

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how do i apply for a car loan? - our application process

Our Hassle-Free Process

Step 1: We Listen

You tell us about your circumstances and what finance you’re aiming to secure.

Step 2: We Search

We scour our network to find the best loan options for your particular needs.

Step 3: We Secure

You choose the one that suits you best and we negotiate with the lender on your behalf.

We can help you get what you want

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Mortgage Broker
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Business Loan Brokers
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Personal Loans
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Vehicle Finance

Trusted Finance Partners

Our large network of Australian lenders includes established and trusted brands. We only partner with the best.

Looking for a loan broker near you?

We make securing finance easy, quick and hassle-free. Get a free quote today.

Enquire now

Frequently Asked Questions

If you haven’t used a finance broker before, you probably have some questions. Let’s help you get some answers.

What is a finance broker?

A finance broker is someone who finds and secures a loan on your behalf. Instead of enquiring with possible lenders one after another on your own, a broker can identify multiple suitable loan options from within their network of lenders all at once—saving you time, stress and money by negotiating better rates for you.

Does Oceania Finance have a finance broker near me?

Oceania Finance is a team of Australian loan experts, so chances are we have a broker near you. Hit the ‘enquire now’ button to speak to one of our specialists today.

I’ve been rejected by the bank – can you help me?

Absolutely! We have a large network of specialist lenders nationwide, which means the chances of us being able to secure a suitable loan for you, even if you’ve been rejected by your bank, are very high. We pride ourselves on being able to help Aussies with any credit rating – great, good, average or bad.