Your broker
RateSmart Finance
Australia-wide finance. The smarter choice.
Compare consumer and business finance options from a panel of 50+ lenders with an experienced broker.
Finance broker, not a lenderAustralian owned & operated
- Finance matched to the needOptions considered against your purpose, budget and circumstances.
- Know what lenders may needUnderstand the likely documents and conditions before you apply.
- Consumer and business financeOptions for personal purchases and productive business assets.
- Australia-wide supportStart online or call from anywhere in Australia.
Consumer and business finance
Choose what you need to finance
Choose consumer or business finance. A broker will confirm what you need and compare suitable options from the lender panel.
About us
Finance support across Australia.
RateSmart is an Australian-owned broker supporting consumers and businesses by phone and online. We start with what you need to finance, then compare suitable options and explain the costs, conditions and documents that matter.
15+Years' broker experience
AUPhone and online service
ACLCredit licence 546549
The smarter choice
Lender panel
Some of the 50+ lenders on our panel
Business and broker details
Know who you are dealing with.
Check the broker, legal business name and credit-licence details before sharing personal information or starting an enquiry.
Legal business name
RateSmart Finance Pty Ltd
Credit licence
ACL 546549
ACR 546466
Melbourne office
470 St Kilda Road, Melbourne VIC 3004
How it works
From enquiry to settlement
- Enquire
Start online or call
Tell us what you want to finance, the approximate amount and your timing.
- Prepare
Review your situation
A broker confirms the purpose, circumstances and documents that may be relevant before approaching a lender.
- Compare
Compare suitable options
Compare repayments, fees, conditions and total cost—not only the advertised rate.
- Proceed
Choose whether to proceed
If you continue, RateSmart helps with lender paperwork through to settlement. The lender makes the final approval decision.
“Helping me through the process of purchasing my new car.”
“Anyone looking for car finance… reach out to Kevin.”
“Amazing experience from start to finish.”