How It Works
Finance made simple with iCREDIT
We help you compare finance options from over 50 accredited Australian lenders,
so you can choose the loan that’s right for you.
Free Service
You pay nothing to compare.
Compare
Multiple lenders with one enquiry.
No Impact
On your credit score to compare.
Fast Pre-Approvals
In as little as 24-48 hours.
Your journey to better finance
Apply Online
Complete our simple online application in just a few minutes. It's free, secure and won't affect your credit score.
We Search
We assess your information and match your application with suitable loan options from our panel of 50+ lenders.
Compare Loans
You'll receive a clear finance comparison showing interest rates, fees and features - so you can choose the best option for you.
Choose & Proceeed
Once you're happy, we'll manage your application and submit it to your preferred lender with your approval.
Settle & Enjoy
After formal approval, we'll guide you through settlement so you can get what you need sooner.
Why choose iCREDIT?
50+ Lenders
We compare a wide range of lenders to find you more choice.
Free Service
Our comparison service is 100% free.
Fast & Easy
Quick online process with fast pre-approvals in as little as 24-48 hours.
Trusted Experts
Australian owned and operated since 1994.
Australia Wide
Helping customers in all states and territories secure the right finance.
Frequently Asked Questions
How does the iCREDIT finance process work?
Start by completing a short online application with information about the loan you need, your employment, income and financial position.
An iCREDIT finance specialist will review your details, compare suitable options from our lender panel and explain the available rates, fees, repayments and loan terms.
No application is submitted to a lender without your approval.
Will comparing finance options affect my credit score?
In most cases, iCREDIT can review your information and discuss potential lender options without immediately submitting a formal credit application.
A credit enquiry may be recorded once you choose a lender and authorise iCREDIT to submit your application. Your finance specialist will explain this before proceeding.
How much does it cost to use iCREDIT?
There is generally no upfront cost to compare finance options through iCREDIT. Once you choose to submit your loan, some applications involve a brokerage or service fee which is covered in your loan. Any fees that apply are clearly disclosed before you proceed.
How long does finance approval take?
Many applications can receive an initial response or pre-approval within 24-48 hours, depending on the lender, loan type and information provided. Applications that involve private sales, business finance, complex income or additional verification may take longer.
What happens after my loan is approved?
Once your loan receives formal approval, your iCREDIT consultant will help coordinate the required documents, lender conditions and settlement. Funds are usually paid directly to the seller or supplier. We keep you updated throughout the process and confirm when settlement has been completed.