You need a loan?

We’re your solution.




Car Loans

We can help you find a great low rate for new or used car finance from our panel of over 20 lenders, including big banks, peer to peer lenders, boutique lenders and more. Self-employed? We can arrange low rate car finance for ABN holders, too! Apply online, in person or on the phone today.

ABN Loans

Self-employed and need a loan? We can help ABN holders find car loans, home loans, marine loans for boats and jet skis and more. Our panel of over 20 lenders includes big banks peer to peer, lenders, boutique lenders and more. Apply online, in person or on the phone today.

Marine Loans

Want to treat yourself with a new or used jet ski or boat for weekend adventures? We can help find low rate finance for all types of credit situations. Compare low rate options to find marine loans with flexible repayment options. Apply online, in person or on the phone today.

Home Loans

Looking for a great low rate home loan or refinance? We can help you compare loans from over different lenders. We assess your credit and borrowing amount and negotiate on your behalf to give you the best chance for approval. Options for many types of credit scores and ABN holders. Apply online, in person or on the phone today.

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 

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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 

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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 

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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 

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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 

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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...