How Your Finance Guide Works
4 Simple Steps to Better Finance
From application to settlement, here's exactly what happens when you use Your Finance Guide.
Apply Online
Complete our simple online application in under 5 minutes. Tell us what you need — vehicle finance, equipment finance, a business loan, or a home loan — and provide some basic details about yourself.
- Takes less than 5 minutes
- No impact on your credit score
- Secure, encrypted application
- Available 24/7 from any device
We Compare 50+ Lenders
Our licensed finance brokers review your application and compare options from our panel of 50+ lenders — including major banks, non-bank lenders, and specialist financiers — to find the most competitive rates and terms for your situation.
- Major banks like CBA, ANZ, NAB, Westpac
- Non-bank lenders with competitive rates
- Specialist lenders for unique situations
- We negotiate on your behalf
Choose Your Best Option
We present you with a shortlist of the best options, clearly explaining the rates, fees, terms, and any trade-offs. You choose the option that works best for you — there is no pressure and no obligation.
- Clear comparison of your options
- Transparent fees and rates explained
- No obligation to proceed
- Expert guidance at every step
Settle & Go
Once you choose your option, we handle all the paperwork with the lender. Settlement is typically fast — often within 24-48 hours for vehicle and equipment finance, and 2-4 weeks for home loans. Then you drive away, move in, or put your funds to work.
- We handle all lender paperwork
- Fast settlement times
- Ongoing support after settlement
- Free service — you pay nothing
How We Make Money
We believe in full transparency about how our business works. Here's exactly how we get paid and why it doesn't cost you a cent.
Lender-Paid Commission
When your loan settles, the lender pays us a commission. This is standard practice across the Australian finance broking industry and is regulated by ASIC. This commission does not increase the interest rate you pay or add any fees to your loan.
No Cost to You
You never pay us a fee — our service is always free.
No Rate Impact
Commission does not affect your interest rate or loan fees.
Fully Disclosed
Full details are in our Credit Guide.
Your Finance Guide Pty Ltd receives commissions and/or fees from lenders when a loan is settled. These commissions do not affect the interest rate or fees you pay. Details of commissions are available in our Credit Guide or upon request.
Why Use a Broker?
See how using a finance broker compares to going direct to a bank or through a dealer.
| Feature | Finance Broker | Direct from Bank | Dealer Finance |
|---|---|---|---|
| Number of lenders | 50+ lenders compared | 1 lender only | 1-3 lenders |
| Rate competitiveness | Most competitive — lenders compete for your business | Standard published rates | Often the highest rates |
| Cost to you | Free — always | Free | Often includes a premium |
| Expert advice | Licensed broker works for you | Bank staff sell their products | Dealer staff sell what earns most commission |
| Application time | Under 5 minutes online | 30-60 minutes in branch | Varies — often done under pressure |
| Flexibility | Tailored to your situation | Limited to bank policies | Very limited options |
| After settlement support | Ongoing relationship | Call centre support | Minimal |
Our Lender Panel
We compare options from over 50 lenders across three categories to find your best deal.
Major Banks
Commonwealth Bank, ANZ, NAB, Westpac, and other authorised deposit-taking institutions.
Non-Bank Lenders
Pepper Money, Liberty, Resimac, La Trobe Financial, and other competitive non-bank options.
Specialist Lenders
Finance companies specialising in vehicle, equipment, commercial, and niche lending situations.
- More lenders means more competition for your business, which drives rates down.
- Specialist lenders can offer solutions that major banks cannot.
- We can match you with lenders who are most likely to approve your specific situation.
- You get access to wholesale rates not available to the general public.
How We Work FAQs
Common questions about our process, pricing, and service.
Is your service really free?
How do you make money?
Will applying affect my credit score?
How long does the process take?
Do I have to use a lender you recommend?
What if I have bad credit?
Are you licensed and regulated?
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Ready to Get Started?
Apply in under 5 minutes and let us find your best deal from 50+ lenders. Always free.