Helping Customers Compare Loans Since 2012
iCREDIT is an Australian finance brokerage helping individuals and businesses compare finance options for vehicles, lifestyle assets, personal lending and business purchases.
Established in 2012, our approach is straightforward: understand what the customer needs, identify suitable lenders from our accredited panel, explain the available options clearly and help the customer make an informed decision.
We provide finance assistance Australia-wide and can help with car loans, caravan finance, horse float finance, motorcycle loans, marine finance, personal loans, business vehicle finance, trucks, trailers, equipment and machinery.
Rather than directing every customer toward the same lender or loan product, our finance consultants assess the individual enquiry against relevant lender requirements.
iCREDIT is an Australian finance brokerage founded by Scott Collins and Matt Lynch in 2012.
For more than a decade, we have helped individuals and businesses compare vehicle, personal and commercial finance through an accredited panel of Australian banks and specialist lenders.
Today, iCREDIT provides finance assistance Australia-wide across car loans, caravan and camper finance, horse float finance, motorcycles, marine finance, personal loans, business vehicles, trucks, trailers, machinery and equipment
Meet the People Behind iCREDIT
Scott Collins – Director & Co-Founder
Matt Lynch – Director & Co-Founder
iCREDIT is accredited with a broad panel of Australian banks and specialist finance providers. This allows our finance consultants to assess lending options across different borrowers, asset types and finance requirementsfrom over 50 lenders, iCREDIT can assess appropriate loan options from mainstream banks and specialist finance providers.
We also work with leading institutions including Branded Financial, Metro Finance, Latitude, Now Finance, Wisr, Plenti, and many others – ensuring you have access to a wide range of personal and business loan products.
We Compare More Than an Interest Rate
We make comparing and securing finance simple. Whether you’re buying a car, caravan, horse float, or equipment, our 4-step process keeps things fast, transparent, and stress-free.
Complete our initial comparison enquiry without submitting separate formal applications to multiple lenders. If you choose to proceed with a formal application, the selected lender may conduct a credit enquiry as part of its assessment.
We access over 50 trusted lenders to find loan options that match your needs, budget, and credit profile.
We’ll present the best loan options side-by-side so you can choose what suits you best — no hidden fees or pressure sales.
Once approved, we arrange fast settlement with your chosen lender, so you can pick up your vehicle or asset sooner.
iCREDIT has access to an accredited panel of more than 50 Australian lenders, including mainstream and specialist finance providers.
Having a broad lender panel matters because lenders do not all assess applications in the same way.
One lender may be highly competitive for a new vehicle purchased through a dealer, while another may be better suited to an older vehicle, private sale, self-employed applicant, specialised asset or particular credit profile.
iCREDIT does not compare every lender or financial product available in Australia. We compare appropriate options available through our accredited lender panel.
We Compare More Than an Interest Rate
We are not built around a high-volume call-centre model where customers are continually transferred between departments.
Customers are provided with a finance consultant who can assist throughout the process — from the initial finance comparison through to application, lender requirements and settlement.
That means you have someone who understands your enquiry, rather than having to explain your circumstances repeatedly.
iCREDIT has developed experience across a much broader range of finance categories.
Finance options for new and used vehicles purchased through dealerships and eligible private sellers.
Specialist finance for new and used horse floats, angle loads, straight loads, goosenecks and horse transport solutions.
Finance for caravans, camper trailers, hybrid campers and other eligible recreational vehicles.
Loan options for new and used motorcycles and eligible private-sale purchases.
Finance for business vehicles, trucks, trailers, machinery, equipment and other commercial assets.
Personal loan options for eligible personal purposes, including larger purchases and debt consolidation.
iCREDIT is committed to responsible credit assistance and transparent lending practices.
Where applicable, we make enquiries about a customer’s requirements, objectives and financial circumstances before assisting with a finance application.
All applications remain subject to the selected lender’s eligibility criteria, credit assessment and verification requirements.
One of the differences between iCREDIT and a finance business focused primarily on standard car loans is the range of assets we regularly encounter.
Specialised lending can require an understanding of issues such as asset age, resale value, private-sale transactions, business usage and lender-specific security requirements.
Our experience includes finance for:
Cars • Utes • Vans • Motorcycles • Caravans • Camper Trailers • Horse Floats • Goosenecks • Boats • Trucks • Trailers • Machinery • Equipment
This specialist experience has also allowed iCREDIT to develop relationships with vehicle dealers, manufacturers, retailers and equipment suppliers throughout Australia.
These relationships do not remove the customer’s ability to make their own finance decision.
Our role remains to explain available options and assist the customer through the finance process.
Customers should understand what they are agreeing to before entering a credit contract.
That is why we believe a finance comparison should look beyond the headline repayment.
Before choosing a loan, customers should consider:
Rates can vary substantially between lenders and applicants.
Establishment fees and other lender charges can affect the overall cost.
A longer term may reduce repayments but can increase the total amount of interest paid.
A balloon can lower regular repayments but leaves a larger amount payable at the end of the loan.
Early repayment rules vary by lender and loan product.
The total amount repayable can provide important context when comparing one loan with another.
Our finance consultants can help explain these factors so customers can make a more informed decision.
To be able to make an informed decision on your finance purchase, we believe transparency is the key so we’ve provided some answers to some of the most faq’s – frequently asked questions.
iCREDIT offers a wide range of loan options, including personal loans, vehicle finance, business loans, and home loans, tailored to meet the unique needs of each customer.
You can apply online or speak directly to one of our dedicated finance brokers, who will guide you through the application process and help you find the best loan option for your situation.
No, iCREDIT provides obligation-free quotes at no cost to you. We’re committed to helping you understand your options without any upfront fees.
Yes, our team works with individuals with all types of credit histories. We explore a variety of lenders and loan products to find the best solutions for customers, regardless of their credit situation.
Loan approval times vary depending on the type of loan and your financial situation. However, we strive to provide quick approvals and fast processing to ensure you get the funds you need as soon as possible.
Our accredited lender panel includes more than 50 Australian banks and specialist finance providers.
We do not represent every lender or financial product available in Australia.
No.
We assist with car finance as well as caravan, camper trailer, horse float, motorcycle, marine, personal, business, truck, trailer, machinery and equipment finance.
Lenders on our panel provide finance for eligible private-sale vehicles and assets.
Additional identification, valuation, registration, ownership or security checks may be required depending on the lender and asset.
Yes.
We work with lenders offering finance options for eligible self-employed applicants and businesses.
The information required varies according to the lender, finance amount, business history and type of finance requested.
No.
The initial comparison stage and a formal application are different steps.
A formal credit application is only made when you decide to proceed with an option and provide the required authority and information.
iCREDIT provides finance assistance to customers throughout:
Queensland • New South Wales • Victoria • Tasmania • South Australia • Western Australia • Northern Territory • Australian Capital Territory
Our online and telephone-based finance process means customers do not need to live near an iCREDIT office to use our service.
Whether you are buying locally, interstate, through a dealer or through an eligible private seller, our team can assist remotely throughout the finance process.
Whether you already have a purchase in mind or simply want to understand what finance options may be available, the first step is to compare the relevant numbers.
Tell us what you are looking to finance and an iCREDIT consultant can review suitable options available through our accredited lender panel.
