RateSmart Finance

The Smarter Choice. 

Giving you access to over 40 trusted lenders that deliver fast and affordable financial solutions to suit you. 

Fixed Low Rates

Obligation Free

Credit Assessments

Over 40+ Trusted Lenders 

Quick Response Time

Fixed Low Rates

Obligation Free

Credit Assessments

Over 40+ Trusted Lenders 

Quick Response Time

Our Promise

We Work for You.

RateSmart Finance is Here to Help.

We’re not just brokers. We use our industry experience and network to match you with a lender that ticks all the boxes. The smartest rate starts with us.

Apply Online Now

Our Services

At RateSmart Finance, our brokers work for you, understanding your objectives and conducting extensive market research. We assess multiple lenders fitting your criteria, comparing only the best lenders to achieve the best rates and ensuring you a stress free experience.

Consumer Loans

Let us help you live the life you deserve. 


We offer car, motorbike, boat, caravan and personal loans. We utilise our 40+ network of lenders to find your perfect match at the lowest rate. 

Commercial Loans

Grow your business today.


RateSmart Finance has a commercial finance solution for you. We offer Chattel Mortgage car, truck, trailer & equipment finance with low-doc options.

About Us

RateSmart Finance

RateSmart Finance is Australian owned and operated. Authorised Credit Representative number 546466. 


With over 10 years of experience as finance brokers, we work for you to ensure that you get the smartest rate available. We navigate the lending landscape to make your experience smooth and easy when accessing finance. 

Low Rate
Guarantee

10+ Years of Experience

Learn More

About Us

RateSmart Finance

RateSmart Finance is Australian owned and operated. Authorised Credit Representative number 546466. 


With over 10 years of experience as finance brokers, we work for you to ensure that you get the smartest rate available. We navigate the lending landscape to make your experience smooth and easy when accessing finance. 

Low Rate
Guarantee

10+ Years of Experience

Learn More

Our Trusted Lenders

Your Next Steps

RateSmart Finance is the trusted expert for loans and asset finance. We work with Australia’s top lenders to bring you a low rate loan and fast approval from the comfort of your own home.

Step 1

Apply online or give us a call.

Step 2

We’ll arrange to contact you at a suitable time to discuss your options and the documents we need.

Step 3

We can organise a pre-approval within the hour.

Step 4

Confirm your loan options and final finance figures.

Step 5

We will organise all the contracts and settlement.

RateSmart Finance 

Get in Touch With Us

Apply Now

Contact Us 

Let us work for you.

Contact Us