Unlock Smart Financing Offers With Us

It’s the process of combining multiple debts—like credit cards, car loans, or personal loans—into a single, manageable loan.

Lower repayments, simplified finances, and the chance to pay off your debt sooner.

No, consolidating can actually help your credit in the long term if managed properly.

Yes, most personal debts can be consolidated into one loan, depending on your credit profile and the lender.

Yes! We help everyone, whether you’re a sole trader running a food truck on Jetty Road, a family partnership running a local café, or a big company gearing up for your next expansion. Whether you’re a one-person show or a large team, we tailor the loan structure to match your setup.

We’ve got plenty to offer. There are working capital loans to help with cash flow when invoices are slow (especially if you’ve got big clients who pay late), tailored commercial loans if you’re looking to buy your own warehouse or shopfront, equipment finance for new machinery or fit-outs, and funding options for bigger growth plans.

It depends on a few things: how long you've been trading, what your numbers look like, and what you’re planning to do with the money. We work with over 40 different lenders, so we can usually find a sweet spot that won’t leave you strapped for cash each month. We always look at what’s realistic, not push you into a giant loan you’ll stress over.

Absolutely. If you're stuck with high rates, refinancing can help you secure better commercial loans in Australia, lower your monthly fees, or combine multiple debts into one simple repayment. We’ll assess your current setup and recommend the most cost-effective solution.

Interest rates are based on the size of the loan, whether you’re backing it with a commercial property or business assets, how steady your cash flow is, and if you go for a fixed or variable rate. We help you understand all options, including fixed rate periods and any ongoing fees, so you know exactly what to expect.

Anything from holidays and weddings to home renovations, medical expenses, or debt consolidation.

Yes, we work with lenders across Australia who provide both secured and unsecured personal loans. We’ll help you decide which suits your situation best.

Once your loan is approved and documents are finalised, funds are usually transferred within 24–48 hours.

No. Requesting a quote won’t impact your credit score. A full application might involve a credit check, depending on the lender’s policy, and we’ll always let you know before that happens.

Absolutely. Many of our loans allow early or extra repayments without penalty. That means you can save on interest and be debt-free sooner.

We finance everything from construction machinery and medical devices to IT infrastructure and office equipment.

A chattel mortgage gives you ownership from day one, while a lease lets you use the equipment and buy it later (if you choose). We’ll help you decide what’s best.

Yes, we work with lenders who support new businesses and custom options for growing ventures.

In many cases, yes. Chattel mortgages allow deductions on interest and depreciation. Always consult your accountant for specifics.

We finance boats, jet skis, yachts, and even commercial charter vessels.

Not necessarily, but you may need one to operate the vessel. Requirements vary by lender and location.

That depends on the asset and your financial profile. We help you find a solution that fits your budget.

Yes. We work with lenders that finance both new and used vessels.

Yes. We can help finance both new and used caravans, whether you're buying from a dealership or a private seller. This flexibility makes it easier to find the right caravan without stressing about how to fund it.

We offer flexible loan terms ranging from 1 to 7 years. Your loan term can be tailored to match your budget, repayment comfort, and long-term travel plans.

Yes. Comprehensive insurance is a must before you drive away. We can guide you through this and even recommend trusted providers to make sure you're covered from day one.

In many cases, yes. You can usually include things like solar panels, awnings, or upgraded bedding in your caravan loan. Just let us know what extras you want during the loan application process.

You can often get conditional approval within one business day, thanks to Fintell’s fast credit assessment and streamlined application. We know you're eager to hit the road. However, actual settlement times vary, but we work hard to keep it quick and smooth.

Yes. We offer loans for new and used motorbikes, whether from a dealership or private seller.

Many of our motorbike loan applications are approved within 24–48 hours.

Not always. Some lenders offer no-deposit options, depending on your profile.

Yes, and we’ll help you find a lender with flexible repayment options and minimal early-exit fees.

Yes. We support purchases from both dealerships and private sellers, so you get more choice and flexibility. At Fintell Finance, we help you find the right loan regardless of the seller. We’ll sort out the car loan documents and manage the process from start to finish.

We offer free, no-obligation assessments to check your eligibility criteria before you formally apply, and there’s no impact on your credit score. We consider your credit score, income, and the car details.

You’ll typically need a photo ID (like a driver’s licence or passport), proof of income (such as recent payslips or tax returns), and details about the car you’re planning to buy. We make it easy and guide you step by step.

Yes! Pre-approval gives you a clear budget and bargaining power when negotiating. It also helps you understand your possible comparison rate and estimated repayments upfront.

Most of our secured car loans allow extra repayments without early repayment fees, meaning you can pay off your loan faster and save on interest. At Fintell, we've made the process as flexible and transparent as possible, with a loan calculator that helps you see exactly how you can shorten your loan term and have a favourable interest rate.