Real People.
Real Loans.
The loan you need, without the runaround
- Instant & Personalised
- No Impact on credit score
How We're Different At Loyalty Loans...
We help search for your next vehicle and find you the best rate
1.
We Do The Hard Work For You
We work closely with you and shortlist vehicles based on your individual needs.
3.
Get On The Road Sooner
We help negotiate the best deal for you and coordinate handover
*Most approvals within 24 – 48 hours – Timing varies by lender and applicant
2.
Finance That Works With You
We compare with over 60+ lenders and structure repayments around your cashflow with the best possible rates.
Why Clients Trust Loyalty Loans
Real People, Real Support
With Loyalty Loans, you’ll always deal with a dedicated team who listens, understands your goals, and guides you with care. We focus on building trust, not transactions.
More Choice, Better deals
We partner with a wide panel of trusted lenders to give you genuine choice. Our job is to compare, negotiate, and secure the best outcome for you — saving you the time and stress of shopping around.
Experience you Can Rely On
With over 20 years of industry expertise, we’ve helped Australians from all walks of life achieve their goals. Our knowledge means we can streamline the process and find solutions that work.
Our Lending Partners
Why Use Loyalty Loans?
With over 20 years in the industry, Trent Paterson and the team at Loyalty Loans bring genuine expertise and personal service to every client. Finance doesn’t need to be stressful, we make it simple, clear, and tailored to you
Every borrower’s story is unique, which is why we work with a wide panel of lenders to compare options and secure a loan that suits your needs — whether it’s for a car, home, boat, or business equipment.
We go beyond approvals by helping you source the right vehicle to guiding you through the process step by step, our goal is to make the whole journey easy and rewarding.
Why Choose Loyalty Loans?
Fast Pre-Approvals
Get your finance sorted in minutes. Our quick pre-approval process won’t affect your credit score.
We Do The Work For You
We compare offers, negotiate with lenders, and handle the details so you don’t have to.
Personal Consultant
One dedicated consultant supports you from start to finish — real people, no call centres.
Great Low Rate
With access to a wide lender panel, we find competitive rates tailored to your situation.
No Impact Credit Checks
Get quotes with no impact on your credit file, so you can explore options with confidence.
60+ Lenders
Choose from Australia’s leading lenders — all in one application, with more choice for better outcomes.
Have A Question?
Does Loyalty Loans Operate Across Australia, Including Major Cities?
Yes, Loyalty Loans is Australia-wide. We help clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Gold Coast, Darwin and right across regional and rural areas. Our process is handled online and over the phone, so wherever you are, we can source the right vehicle and finance.
What Type Of Finance Can I Get With Loyalty Loans?
Our loan specialists offer a large range of lending products including
- Vehicle Finance
- Personal Loan
- Mortgage Loan
- Debt Consolidation
- Commercial Finance
- Truck Finance
- Motorcycle Finance
- Boat Finance
Why Use A Broker?
Using a broker gives you choice, speed and a better fit without the legwork. Instead of being limited to one brand’s products, we compare options from 60+ banks and lenders, structure the term, fees and any balloon to suit your cash flow, and present your application the way lenders want to see it, helping improve approval odds and turnaround (most in 24–48 hours*). You get straight answers on costs and next steps, a credit-safe pre-check that won’t impact your score, and one point of contact who does the chasing, shortlisting and negotiating for you.
Why Loyalty Loans?
We don’t just arrange the finance—we help you find the vehicle too. Tell us your must-haves and budget and we’ll shortlist live vehicles on the market, then match them to the right loan from our lender panel. We negotiate so you’re not paying dealer mark-ups, handle PPSR checks and paperwork, liaise with the seller and coordinate handover. Led by Trent Paterson with over twenty years in finance, you’ll get licensed, human support from first chat to drive-away.
What Can I Do To Improve My Chance For Finance Approval?
Lenders look for stable income, a sensible loan match, and a realistic amount. You’ll strengthen an application by showing steady earnings, choosing a term and repayment that fit your budget, borrowing only what you need, and—where possible—contributing a larger deposit. Supplying complete documents upfront (ID, income and bank statements, any existing credit details) helps speed assessments. In some cases a co-borrower or guarantor can also improve your profile.
If your credit history needs work, focus on consistent on-time payments, clearing overdue accounts, keeping balances low, and avoiding multiple new applications in a short period. Check your credit report regularly and fix any errors. We can run a credit-safe pre-check and sanity-check your application first, then match you to lenders whose policies fit your situation.
Will Applying Affect My Credit Score?
Loyalty Loans initial assessment will not have an impact on your credit file & we can even provide a risk free quote. However if your application is submitted & not approved by a lender this may have a negative result.
Does Loyalty Loans Offer Commercial Lending?
Yes, Loyalty Loans brokers commercial finance for sole traders, SMEs and larger enterprises, including low-doc and no-doc options where eligible. We arrange asset & equipment finance, commercial vehicles and fleets, truck finance, fit-outs and working capital facilities, and structure terms to suit your cash flow.
Quick and easy loans with same day approvals.
Get your free quote today.
- Instant & Personalised
- No Impact on credit score
Fast & reliable finance solutions that take the hassle out of buying a new asset. Contact us today for your no obligations free quote
