Simple, Fast Finance with Mates Rates
We compare 50+ lenders to find the right finance for you. We fight for the sharpest rates with no impact to your credit file, and we handle everything from start to finish.
- Same-Day Approvals Available
- Access to 50+ Lenders & Banks
- Real People. Real Mates Rates.
Mates Rates
Car Loan
Mates Rates
Commercial Loan
Mates Rates
Motorcycle Loan
Mates Rates
Caravan Loan
Mates Rates
Boat Loan
Mates Rates
Personal Loan
Our Benefits
Why Australians Trust Mates Rates
We’re a new kind of finance brokerage — one that puts people first. No pushy sales tactics, no confusing terms, just honest guidance and great rates.
Fast Approvals
Get a clear answer, often within 24–48 hours.
Fair, Flexible Options
We compare 50+ lenders to get you the best deal.
Straightforward Advice
No jargon. No hidden surprises.
Real Service For Aussies
Reliable, and in your corner from application to settlement.
Loan Types
Find the Right Loan for Your Needs
Whether you’re upgrading your car, growing your business, or planning your next adventure, we’ll help you secure the right finance — fast.
Car Loan
Learn MoreCompetitive rates for new and used vehicles, with fast approvals and flexible terms. Whether you’re upgrading, buying your first car, or refinancing an existing loan, we help you secure the right finance without the stress.
Commercial Loan
Learn MoreFlexible finance solutions for machinery, vehicles, tools, and business equipment. Perfect for tradies, small businesses, and growing companies needing reliable funding to scale operations or replace essential assets.
Motorcycle Loan
Learn MoreWhether you’re buying your first bike or upgrading to something with more power, our motorcycle loans offer competitive rates and straightforward terms. We search across reputable lenders to find finance options that fit your lifestyle and budget.
Caravan Loan
Learn MoreOur caravan finance options cover caravans, campers, motorhomes, and RVs. We match you with lenders who offer flexible repayment plans and great rates, so you can focus on planning your next adventure.
Boat Loan
Learn MoreFrom fishing boats to jet skis to leisure cruisers, we provide boat finance that makes getting out on the water simple and affordable. We compare multiple lenders to find personalised loan options that match your budget, lifestyle, and goals.
Personal Loan
Learn MoreSimple, fast, and convenient funding for life’s important expenses — from renovations to travel to unexpected bills. Get personalised options designed to suit your needs and repayment comfort.
Get Your Tailored Finance Options
Tell us what you’re looking for and we’ll personally vet Australia’s top lenders for you. Submit your details, and Jacob will call you back shortly with your best rates – with absolutely zero impact on your credit score.
About Mates RatesLearn More About Us
Finance With Heart — Built for Everyday Australians
Mates Rates was created with a simple goal: to make finance easier, clearer, and more human.
We’re a small team of finance experts who genuinely care about helping Aussies get a fair go.
Whether you’re a tradie, a business owner, a family, or a first-time borrower — we’re here to help.
How It WorksGet Your Rate
5 Simple Steps with Mates Rates
We’ve made our application process fast, clear, and stress-free. No jargon, no confusion — just straightforward finance from real Aussies who care.
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Tell Us What You Need
Our smart system helps us instantly understand your goals so we can point you in the right direction — all in under a minute.
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Get Matched With Lenders
We compare multiple trusted Australian lenders to find personalised options that suit your budget, credit profile, and loan type.
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Apply Easily
Once you’ve chosen your preferred option, complete your application online or chat with a dedicated Mates Rates finance expert who’ll guide you through the process.
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Get Approved Quickly
Your loan expert works directly with the lender to get your application approved fast — often within 24–48 hours.
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Finalise & Receive Your Funds
Digitally sign your contract securely from home, and we’ll coordinate with the lender to release your funds quickly.
Lenders we use
LendersReal feedback from real Australians who trusted us with their finance needs.
FAQ
Get Answers For all of your loan related Questions
We’ve made our application process fast, clear, and stress-free. No jargon, no confusion — just straightforward finance from real Aussies who care.
How quickly can I be approved?
In many cases, on the same day. Some lenders can issue conditional approval instantly if we have everything we need. Complex deals may take a little longer — but we move fast and keep you updated the whole way.
I got a quote elsewhere, can you beat it?
Absolutely.. We work with a panel of lenders, which means we can compare options instead of offering just one rate. We will also look at options to improve the structure, term, or overall flexibility to suit you.
Does enquiring impact my credit score?
No, not when done properly. We can assess your situation and discuss options without lodging a formal application, protecting your credit score.
Why use a broker instead of going directly to a lender?
Going direct gives you one option, often leaving enquiries on your credit file. Using a broker gives you access to multiple lenders, wholesale rates, and someone negotiating on your behalf. We handle the paperwork, structure the deal properly, and make the process simple.
What are your fees?
There are no upfront fees. We’re typically paid by the lender once your finance settles. If there are ever any costs involved, we’re completely transparent about them upfront.
Get Your Tailored Finance Options
Tell us what you’re looking for and we’ll personally vet Australia’s top lenders for you. Submit your details, and Jacob will call you back shortly with your best rates – with absolutely zero impact on your credit score.