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

What Type and Size of Boat Do I Buy?

What Type and Size of Boat Do I Buy?

Choosing a boat is a very personal decision. You should ask yourself how you will use your boat. What boating experience do you have. Do you need to finance your purchase? See for competitive boat finance options. What can I afford, not only the...

Have You Got a Debt Management Plan (DMP)?

Have You Got a Debt Management Plan (DMP)?

'Let Us Help You With a Debt Management Plan    People who are struggling to pay their debts may want to consider a Debt Management Plan or DMP in the future. DMPs are designed to help lower one’s overall outstanding debt by combining them into a single,...

Want Better Credit Card Management

Want Better Credit Card Management

We All Want Better Management of Our Credit Cards Credit cards are a great way for you to pay for what you want. However, this benefit comes at a cost especially if you aren’t careful. That is why you need to know how to manage your credit card properly in order to...

Eyelid Surgery (Blepharoplasty)

Eyelid Surgery (Blepharoplasty)

Eyelift Surgery Droopy eyelids and puffy bags under the eyes can make you look tired and older than you are. In some cases, it can even interfere with your vision. offer a range of loans for cosmetic surgery.   Fast Facts Eyelid Surgery...

Cosmetic and Plastic Surgery

Cosmetic and Plastic Surgery

Brow Lift Surgery Brow lift, also called a forehead lift, helps to reduce forehead wrinkles and eye wrinkles (crow’s feet) by lifting and tightening the muscles and tissue above the eyebrows.   Fast Facts Wrinkles and creases in the forehead and saggy drooping...

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.