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

Buying Your First Family Car

Buying Your First Family Car

Making the Change From Two Seats to a Family Car For those of you who now have a family, there are many “sacrifices” you may have to make. Oftentimes, this includes having to forego a stylish vehicle in favour of something that is more practical for everyone. The...

Hyundai Popular In Western Australia

Hyundai Popular In Western Australia

Hyundai is Unstoppable Australia's and for many years the worlds, leading Hyundai dealer, John Hughes, said the “Hyundai brand was more popular in WA than in any other State”. He said West Australians had recognised the car as a "good product, reliable and...

Car Insurance Types

Car Insurance Types

Your Guide To The Types of Car Insurance Available Buying a new car can be a long, complicated and exciting process, whether it’s a work car, your daughter’s first car, or even just a second car. As you probably know by now, one of the most tedious aspects on your...

How Loans 123 Has Simplified Personal Loans

How Loans 123 Has Simplified Personal Loans

Perseverance and financial discipline are two aspects that will pay off eventually, but there are simply times when we need to achieve some monetary goals that hold us down. When can you expect to have enough money for that sought-after wedding or when can you finally...

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.