How we work

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.