You need a loan?

We’re your solution.




Low-rate car loans

Whether you’re buying a new or used vehicle from a private seller or dealership, we’ll get you driving away in no time! You’ll gain access to our panel of over 30 lenders, which means we can ‘shop around’ and find a great low rate for you. Are you an ABN holder? We can help you too.

Self-employed loans

It can be hard getting a loan if you’re a business owner, as some lenders might worry about your job security and income stability. But we regularly help ABN holders just like you get finance for homes, cars, trucks, boats, jet skis and more. Let us solve your finance problem for you.

Competitive marine loans

Want to treat yourself with a new or used jet ski or boat for weekend adventures? We’ll help you get on the water faster. We work with more than 30 lenders, so we’ll find you a marine loan with the interest rate and features you need. Solve your problem today.

Flexible home loans

You deserve a great home loan, whether you’re a first home buyer, seasoned property investor or existing borrower who wants to refinance to a better loan. We’ll assess your unique situation before negotiating on your behalf with our panel of lenders. Options available for ABN holders and people with low credit scores.

What they say about us

I highly recommend going through this company, I cannot speak highly enough of how great the experience was. I dont usually leave reviews, but the way Karlee helped, I just had to!

NFAL was so helpful and an absolute pleasure to deal with, she could not have been any more helpful and went out of her way to help with getting the best possible loan for me.

So so happy!!

– Ryan Mcfarlane

Drew been absolutely amazing – words can’t even express how grateful my husband and I are for all his hard work and patience with us whilst we made several demands.

Every call and email that was made NFAL responded back in prompt time. Their communication towards their clients are amazingly great and we are so happy with the service we received.

– Contessa Carpio

A massive thankyou to National Finance and Loans. They helped me with a debt consolidation with no fuss. They were extremely thorough and understanding of my situation. Would definitely recommend giving these guys a call!

– Alexandra Lucas

Thank you for a hassle free Loan approval for my new car. You’re attention to detail and customer service was second to none. You made sure I was across every step and I had full trust in the information you were providing me. Thank you once again, and I will definitely be doing business with you in the future.

– Stacey Clapperton

I would highly recommend this company!! Les was such a lovely guy to deal with and was very helpful in finding the best loan and rate for us. Thanks again for all your help and patience Les.

– Leo Mer


How do I apply?

We give you the option to apply online, over the phone or in person. To apply online simply click here to complete our online application form. To apply over the phone, simply call us on 1300 844 970. If you would like to apply in person, visit our office at Level 2/2-18 National Dr, Dandenong South VIC 3175.

What will be my nominal interest rate?

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, loan purpose and credit position.

Do I need a deposit?

In most cases a deposit is NOT required. The holding deposits you leave the supplier can be refunded and the full amount will be financed. In some instances, if you are moving on from poor credit history a deposit may be required

How do I consolidate debt?

If you want to consolidate smaller debts into one handy repayment, we can help. Depending on the total value of the debt you want to consolidate we can find a solution to consolidate the debt into your mortgage (if you have one) or into a debt 

Read More

How does the National Finance and Loan process work?

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 

Read More

What employment types are acceptable?

All employment types are acceptable. Full-time, part-time, casual, contract, ABN, contractors, self-employed business owners and more. We have a lending panel of over 20 banks and financiers. In just about every case we can match your 

Read More

What if I have bad credit?

We will discuss your credit file and credit history with you in detail. In most cases a previously poor 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 

Read More

What is LMI?

LMI is short for Lenders Mortgage Insurance. Lenders Mortgage Insurance is a fee charged by banks and lenders when a borrower wants to borrow more than 80% of the total home value. LMI is a fee that provides protection to banks. The best 

Read More

Helpful Resources

Getting a Self-Employed Home Loan Is Simpler Than Ever

Getting a Self-Employed Home Loan Is Simpler Than Ever

To get a home loan, or for any type of credit application, you need proof of income. Normally you would use pay slips. But if you’re self employed, it can often be a little harder to demonstrate that you have recurring income to give the lenders confidence that you...

Popular ways to finance used cars

Popular ways to finance used cars

Buying a used car is a great way to solve your automotive woes without causing too much damage to your hip pocket. While price is one of the more obvious reasons why many Australians opt for used car purchases over new, used car purchasers also benefit in a number of...