Disclaimer: Interest rate is a guide only. Payments stated are estimates only and do not include fees and charges.
National Finance and Loans have over twenty lenders on our panel, at any one time. These lenders consist of mainstream banks, finance companies, boutique and peer to peer lenders. Our lender panel enables greater choice for our customers, and facilitates a higher probability of your loan application being approved
You can contact our experienced team directly on 03 9553 3688 or submit an application online.
Once we have your full loan application and compliance documentation completed, we will refer to our comprehensive lending panel to ensure we are dealing with a lender best suited to your needs. Your best suited lender will be in continued discussion with us regarding your loan application. Our team will provide you with comprehensive updates of your loan application. The loan approval process from start to end in most cases will take no more than 24 hours.
Your loan offer will state your nominal interest rate along with associated fees and charges. Interest rates are calculated using risk variables such as: the strength of your loan application, the asset purchased and loan purpose.
All employment types are acceptable. Full-time, part-time, casual, contract, ABN, government benefits. We have a lending panel of over twenty. In just about every case we can match your income type with a suitable lender.
In most cases a deposit is NOT required. The holding deposit you leave the supplier can be refunded and the full amount will be financed. In some instances, if you a moving on from a poor credit history a deposit may be required.
We will discuss your credit file and credit history with you in detail. In most cases a poor previous credit history or a credit file with payment defaults will NOT prevent you from obtaining a loan. Our large lending panel allows us to discuss your individual case directly with them. It may be that we use a subprime lender to at least provide you access to a loan and then look to working with you in the future to facilitate you back to a prime funder. We receive a number of subprime applications each month. Please do not let a poor credit history prevent you from making contact with us.