Loans.com.au
Loans.com.au is an Australian digital-first direct-to-consumer lender offering home loans, car loans, and caravan loans through its online platform, serving Australian retail borrowers nationwide as a subsidiary of Firstmac Group.
- Company typePrivate
- Founded2011
- HeadquartersBrisbane, Australia
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Loans.com.au does
Loans.com.au, founded in 2011 and headquartered in Brisbane, is one of Australia's first online lenders and operates as a wholly-owned subsidiary of the diversified financial services conglomerate Firstmac Group. The company provides a comprehensive suite of consumer lending products through a direct-to-consumer digital channel, including home loans (variable, fixed, refinancing, investment, SMSF, construction, bridging, expat, and first home buyer), car loans (variable, fixed, new, used, refinancing, and private sale), and caravan loans. Its technology stack comprises an online origination platform with automated credit assessment, the onTrack real-time application tracking portal, the Smart Money mobile banking app (with Visa debit card issued via Indue and Apple Pay/Google Pay integration), a 100% offset sub-account, and an extensive suite of financial calculators plus property/suburb reports powered by CoreLogic data.
The business model is interest-rate driven across a diversified loan book, supplemented by settlement fees (~$300), security assessment fees (~$230 for metro properties), and a 90-day rate lock fee (~$350 for 5-year fixed terms). Go-to-market is digital-first D2C with no physical branches and no broker commission overhead, supported by Australian-based lending specialists available via phone and video appointments. Customer segments span first home buyers, owner-occupiers, property investors, SMSF trustees, expat Australians, and car/caravan buyers nationwide. Brand credibility is reinforced by consecutive annual awards from Canstar, Money Magazine, Finder, and WeMoney, plus a 4.6/5 Google rating across 736 reviews. The company is regulated under Australian Credit Licence 395219, complies with the Privacy Act 1988 and AML/CTF obligations, and uses Equifax and Illion for credit reporting and identity verification. AI is deployed for automated credit decisioning, fraud detection, and NLP summarization of customer chat interactions. The company is funded through operational revenues and Firstmac Group resources, with no disclosed external funding rounds.
Loans.com.au firmographics
Firmographics- Name
- Loans.com.au
- Legal name
- loans.com.au Pty Ltd
- Website
- https://loans.com.au
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Loans.com.au is an Australian digital-first direct-to-consumer lender offering home loans, car loans, and caravan loans through its online platform, serving Australian retail borrowers nationwide as a subsidiary of Firstmac Group.
- Ownership category
- akta.pro rank
Loans.com.au industry classification
Industry- Product category
- Consumer Lending / Online Mortgage Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141)
- akta.pro primary industry
- Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)
- akta.pro secondary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Loans.com.au is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Loans.com.au business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Home Loan Interest: Primary revenue stream from interest charged on home loan products including variable and fixed rate mortgages for owner-occupied and investment properties
- Car Loan Interest: Interest revenue from vehicle financing including new car loans, used car loans, and refinancing options with terms from 3-7 years
- Caravan Loan Interest: Interest revenue from caravan and recreational vehicle financing products
- SMSF Loan Interest: Interest revenue from self-managed super fund residential and commercial property loans with minimum loan amounts of $50,000 up to $2,000,000
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Variable Bare Home Loan - Basic variable rate home loan with no offset features |
| Unit Pricing | Monthly | Variable Bold Home Loan - Fully featured variable rate with offset sub-account |
| Unit Pricing | Monthly | Car Loans - Variable and fixed rate options |
| Unit Pricing | Monthly | SMSF Loans - Residential and Commercial property loans |
| Unit Pricing | Annual | Fixed Rate Home Loans |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
Loans.com.au product offering
Product offeringCore offering
Loans.com.au is an Australian direct-to-consumer online lender providing home loans (variable, fixed, refinancing, investment, SMSF, construction, bridging, expat, and first home buyer), car loans (variable, fixed, new, used, refinancing, and private sale), and caravan loans. Customers apply entirely online through the website or mobile application with support from Australian-based lending specialists available via phone and video appointments. The company generates revenue primarily through interest charged on these credit products and operates under Australian Credit Licence 395219 as part of the Firstmac Group.
Product overview
Loans.com.au is an Australian online lender offering a comprehensive suite of lending products. The core portfolio consists of two main categories: Home Loans (including Variable Bare, Variable Bold, Fixed Rate, Refinancing, Investment, SMSF, Construction, Bridging, Expat, and First Home Buyer loans) and Car Loans (Variable, Fixed Rate, New, Used, Refinancing, and Private Sale options), plus Caravan Loans. Supporting these core products are digital tools and services including Smart Money (online banking), onTrack (application tracking), Apple Pay/Google Pay payments, Visa debit card access, Offset Sub-Account, Property/Suburb Reports, the OnlineAuto car buying service, and the Smart Friends referral program. The company positions itself as 'Australia's Home of Loans' with an emphasis on digital convenience, competitive rates, and fast approval processes.
Differentiator
Problem solved
Functional benefit
Brands
- Smart Money: Online banking and account management platform for loans.com.au customers providing full range of account management, balance viewing, transactions, transfers, bill payments, and messaging with the lending team.
- onTrack
- Bold Investor Bundle
- OnlineAuto.com.au
Products and services
- Home Loans (Variable, Fixed, Refinancing, Investment, Construction, Bridging, Expat, First Home Buyer)
- Car Loans (Variable, Fixed, New, Used, Refinancing, Private Sale)
- Caravan Loans (New, Used, Private Sale, Refinance)
- SMSF Loans (Residential and Commercial Property)
Quantifiable outcome
- Variable Bare Home Loan at 6.04% p.a. (comparison rate 6.08%)
- +3 more outcomes
Companies that use Loans.com.au
Customer profileNamed customers4 records
Segments7 records
Ideal customer profiles3 records
Loans.com.au technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature5 records
Loans.com.au partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- Brisbane BroncoscoreOfficial Charity Program Partner for 2025. The partnership includes the 50/50 Charity Raffle at Suncorp Stadium home games, raising funds for various charities. 49 staff members volunteered across the NRL season to help raise $43,710 for 12 charities
- Share the DignitycoreCharity focused on menstrual equity. loans.com.au staff participated in the 10,000 Bag Packing Event to support women experiencing homelessness, domestic violence, or poverty
- Eat Up AustraliacoreCharity providing nutritious lunches to Australian school children. 15 staff members prepared 1,758 sandwiches for students across Australia
- HeartKidscoreOnly Australian charity dedicated to supporting people impacted by childhood-onset heart disease. loans.com.au staff volunteered at Christmas gift wrapping stall at Uptown Brisbane CBD across six sessions in December
- Children's Hospital FoundationcoreCharity supporting seriously ill children and their families. Raised over $100,000 at the Broncos vs Panthers season opener through 50-50 Charity Raffle partnership
- Emmanuel City MissioncoreBrisbane charity providing daily meals, shower facilities, clothing, medical care and safe space for homeless and vulnerable individuals. Nine staff members volunteered to help prepare and serve meals
- Ronald McDonald House CharitycoreIndependent charity providing essential services to support families when children need healthcare. loans.com.au team participated in Baking with Love event at South Brisbane location
- The Pyjama FoundationcoreCharity focused on improving life outcomes for children in foster care through weekly one-on-one mentoring sessions. loans.com.au team helped wrap Christmas presents for children in care
- Palliative Care QueenslandcoreCharity supporting families impacted by palliative care. 13 loans.com.au team members helped prepare kits for National Palliative Care Week
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Loans.com.au competitors and assessment
Company assessmentDirect peers
- Wisr: Australian non-bank digital lender offering home loans, car loans, and personal loans with a credit-score-driven value proposition. Overlaps with Loans.com.au on multi-product consumer lending through online channels.
- Athena Home Loans: Australian digital-first mortgage lender offering variable and fixed home loans direct-to-consumer with rate-driven positioning. Directly competes with Loans.com.au's core home loan products via a similar online, no-branch model targeting rate-sensitive Australian borrowers.
- Reduce Home Loans: Australian non-bank online lender specializing in low-rate home loans for owner-occupiers and investors. Direct peer competing on rate-led positioning and digital origination similar to Loans.com.au's value proposition.
- Homestar Finance: Australian non-bank mortgage lender offering home loans for owner-occupiers and investors via broker and direct channels. Comparable product set (residential mortgages) and similar non-bank funding model as Loans.com.au.
- UBank: Australian online bank (NAB subsidiary) offering home loans, savings, and term deposits through digital channels. Comparable as a digital-only consumer lender targeting self-directed Australian borrowers with competitive rates.
- Tic:Toc (Bendigo Bank): Australian online home loan lender (acquired by Bendigo Bank) offering automated approvals and digital application tracking. Closely comparable to Loans.com.au in technology-led mortgage origination and direct-to-consumer distribution.
Broad incumbents
- Bank Australia: Australian customer-owned bank offering home loans, savings, and transaction accounts with a sustainability angle. Larger incumbent with overlapping home loan products but broader banking mandate than Loans.com.au's specialized lending focus.
- ING Australia: Major Australian bank with strong digital presence offering home loans, savings, and transaction accounts. A broader incumbent competing across consumer finance rather than specializing in the mortgage-niche focus that defines Loans.com.au.
Others
- Firstmac Group: Parent company of Loans.com.au and a major Australian non-bank lender with significant RMBS issuance and a diversified loan portfolio. Not a peer competitor but the group entity providing funding, balance sheet, and strategic oversight to Loans.com.au.
- OnlineAuto.com.au: Subsidiary car buying service integrated with Loans.com.au's car loan offerings (launched Sep 2021). An adjacent ecosystem partner rather than a competitor, enabling vehicle sourcing alongside finance for car loan customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Loans.com.au social profiles
Digital presenceLoans.com.au compliance and trust
Trust signalCompliance3 records
Loans.com.au financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loans.com.au leadership team
Management profileNumber of profiles
Profiles1 record
Loans.com.au subsidiaries and ownership
Company hierarchySubsidiaries3 records
Loans.com.au funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loans.com.au M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Loans.com.au
What does Loans.com.au do?
Loans.com.au is an Australian direct-to-consumer online lender providing home loans (variable, fixed, refinancing, investment, SMSF, construction, bridging, expat, and first home buyer), car loans (variable, fixed, new, used, refinancing, and private sale), and caravan loans. Customers apply entirely online through the website or mobile application with support from Australian-based lending specialists available via phone and video appointments. The company generates revenue primarily through interest charged on these credit products and operates under Australian Credit Licence 395219 as part of the Firstmac Group.
Is Loans.com.au a public or private company?
Loans.com.au is a private company. It is classified as corporate owned and is currently operating.
When was Loans.com.au founded?
Loans.com.au was founded in 2011. It employs 251 to 500 people.
Where is Loans.com.au based?
Loans.com.au is headquartered in Brisbane, Australia, in the Oceania region.
How does Loans.com.au make money?
Four revenue lines are on record. Home Loan Interest is the primary driver. The others are car Loan Interest, caravan Loan Interest and SMSF Loan Interest.
Who are Loans.com.au's main competitors?
Direct peers on record are Wisr, Athena Home Loans, Reduce Home Loans, Homestar Finance, UBank and Tic:Toc (Bendigo Bank). Broad incumbents are Bank Australia and ING Australia. Others are Firstmac Group and OnlineAuto.com.au.
Does Loans.com.au have an API?
No public API is recorded for Loans.com.au.
What industry is Loans.com.au in?
Loans.com.au's product category is Consumer Lending / Online Mortgage Lending. Its primary akta.pro industry code is FSALAAAI, Government-Insured Mortgage Origination (FHA/VA/USDA), with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522 and its SIC code is 6162.