Professional Finance Brokers

Better Rates Simplified

Car Loans

Financing your car through us can enable you to take immediate ownership allowing you to experience the freedom of mobility. Either finance or insure your new or used vehicle with our wide range of options that can be applied to business or personal use.

Commercial Loans

Purchasing a car for your new venture or expanding an existing business. We help you purchase commercial equipment and physical assets. Invest wisely in equipment, machinery or even in your people with commercial loans. We help you find the right solution for your business.

Personal Loans

Personal loans can be used for more than just a new car, we help you get more from your loan. Want a new motorcycle? Want to take a holiday? Booked in for cosmetic surgery? No worries, Loans 123 helps you use your personal loan more effectively. Think of us for a fast, efficient, and transparent application process.


Travel Loans

Various leisure finance options are available for loan items like travel. If you want to be able to catch a trophy fish or have a memorable family holiday trip then you can use our travel finance to achieve it. Our travel loans offer competitive repayment options so you can enjoy the getaway when you need to get away.

Why people choose us

We’ve Simplified The Process


 Fair interest rates

Understanding your personal needs and circumstances are a priority for us, and our finance brokers will guide you with sound solutions that meet your unique financial needs.


 Fast loan approvals

We aim to provide a fast and efficient service to our clients and enable them to make informed choices in relation to their finance needs.


 Competitive interest rates

We are very competitive and often best rates offered by the banks. We have access to lenders that provide loans for cars, boats, trucks.

 Professional Financial Services



Relevant and specialised insurance of your purchases. With our large range of finance options, you can make sure you get the right targeted insurance for your car, sickness, accident cover, loan protection, or asset protection with Loans 123.


Payment Calculator

Note that the calculator is only a guide and your payments and interest rate can change and be subject to lending criteria. All Applications are subject to credit approval criteria. Charges, fees, and terms and conditions apply.

Loans Made For You


Loans to meet your requirements

We provide loans to suit your financial situation, there’s no such thing as one-size-fits-all. We make sure your repayments, loan amounts, and loan terms are based on your current situation. 


Debt Consolidation

Merge your multiple debts into a single repayment which allows you to have the convenience of one repayment. By not having to pay multiple lenders you can reduce your interest rate and save you time.

This can often reduce your monthly outgoings and may reduce the amount of interest payable. Your needs and requirments will be discussed to find an outcome that suits your circumstances.

We’ve built a secure and personalised experience

Here’s What’s New at Loans 123

Jewellery Loans. The 4 Cs.

Jewellery Loans. The 4 Cs.

I Want a Special Piece of Jewellery?You don’t have to settle for mass produced or production line jewellery. Pieces of beauty, quality and value can be custom designed for a lot less than you may believe. You deserve to have a craftsman created piece of jewellery and...

Alfresco Kitchens by Pyro Designs

Alfresco Kitchens by Pyro Designs

WA's Alfresco Kitchen ExpertsThe Pyro Designs StoryPyro Designs have Alfresco Kitchens designed to suit our unique WA lifestyle. WA and Perth are well suited for outdoor living and entertaining. What sets Pyro Designs apart from other outdoor kitchens is that their...

Riverina Pools, Luxury And Quality At An Affordable Price

Riverina Pools, Luxury And Quality At An Affordable Price

Installing a quality Riverina pool will enhance the value of your home and ensure that you have many years of enjoyment and pleasure. Riverina pools can integrate one of their stunning swimming pools into your back yard, front yard or beside your house. Upgrade to the...

How Long Should I Take To Find The Right Boat?

How Long Should I Take To Find The Right Boat?

Some people will find the ideal boat quickly. One afternoon may be all that is needed. For some people it can take years. The right time for you is when you are ready. The important thing is to do your homework and research until you feel comfortable with your...

Who Wins? Hi Lux or Triton

Who Wins? Hi Lux or Triton

Toyota leads the way in Australia and trying to compete against the mighty Hi Lux is like trying to push shit uphill. The Hi Lux has a well earned reputation for reliability, toughness and getting the job done. This explains why the Hi Lux was the best selling vehicle...

How old must I be to apply for a loan?

You must be at least 18 years old to apply for a loan. There are no exceptions to this rule.

Can I get pre-approval on a loan application?

Yes, if you receive pre-approval on your loan it is valid for 30 days.

You can always check back in with us if it has been longer than 30 days. We are just a phone call away.

Do I need to have a deposit ready when I'm applying?

Often no. A deposit may be required depending on previous credit history or the value of the goods being financed. Your best bet is to fill in the application form and ask for a callback. Our brokers will be able to help you once they have some basic information.

What is a credit rating?

Banks and other financiers will use a credit score to help determine whether they will lend you money. Your credit score is partly determined by your stability (how long you have been at your address and employment). Defaults, court writs and summons also have a negative impact on your rating. The number of enquiries you make will also impact your credit score. The more enquiries over 12 month period can lower your score.

Loans 123 -  Australian Credit Licence 512846
ABN 51 626143 333

All applications are subject to credit approval criteria. Fees, charges, terms and conditions apply.

All applications are subject to credit approval criteria. Fees, charges, terms and conditions apply.