Get Expert Loan Guidance - Free, 24/7
AI-powered information and support with Vinance expert brokers when you need them. No commitment, completely free.
Home loans from
Rates from* 5.58% p.a
Comp rate*
✓ Borrow up to 90% LVR
✓ Streamlined Bare loan or fully featured Bold loan available
✓ No transaction fees for redraws
✓ No monthly or ongoing fees
Our Loan Products
Competitive rates tailored to your needs
Home Loan
Comparison rate 5.58% p.a*
- Streamlined Bare or fully featured Bold loan
- No transaction fees for redraws
- No monthly or ongoing fees
Car Loan
Comparison rate 7.07% p.a*
- Approval within 24 hours
- 3-7 year loan terms
- New/demo & used vehicles accepted
- Fixed or variable rates
Variable Bold Home Loan
Comparison rate 5.88% p.a*
- Offset sub-account available
- No transaction fees for redraws
- No monthly or ongoing fees
Bridging Loan
Comparison rate 6.08% p.a*
- 6 or 12 months bridging period
- Fixed rate during bridging period
- No repayment for first 6 months
*Warning: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. ~Approval within 24 hours is for applications received during business hours where all required information is provided.
We Support All Loan Types
From your first home to business expansion, we've got you covered
Home Loans
- →First Home Buyer
- →Investment Property
- →Refinancing
Car Loans
- →New Cars
- →Used Cars
Business Loans
- →Business Expansion
- →Equipment Finance
Personal Loans
- →Debt Consolidation
- →Personal Expenses
How It Works
Get started in minutes, not days
Start Chat
Click "Start Free Chat" and begin your consultation instantly
AI Consultation
Get instant answers to your loan questions from our AI assistant
Expert Handoff
Connect with a licensed Vinance broker if you need personalized guidance
Get Approved
Submit your application and get closer to your loan approval
What Our Users Say
Join thousands of satisfied Vinance customers
"I found my dream house and was torn about whether I could afford it. It was midnight when I reached out to Vinance Loan Assistant - it helped clarify my borrowing power instantly. A Vinance broker contacted me the next day to finalize the loan strategy. The whole home buying process became so smooth!"
Sarah Chen
Sydney, NSW
"I've always been anxious about talking to strangers, especially about finances. Vinance Loan Assistant helped me resolve so many loan questions without any pressure. When I needed a loan 6 months later, I chose to connect with a Vinance broker through the platform and successfully purchased my ideal property."
Emily Zhang
Melbourne, VIC
"I was clueless about refinancing my investment property - didn't know if I should do it, what rates to expect, or how to go about it. Vinance Loan Assistant walked me through everything at my own pace. The broker I connected with found me a rate 0.75% lower than my current loan. No pressure, just genuine help."
David Thompson
Brisbane, QLD
Frequently Asked Questions
Everything you need to know about our service
Yes, absolutely free. No hidden fees, no credit card required. Our AI consultation is completely free - you can just ask any question you have and not proceed with any loan. The help from brokers to successfully get your loan is also completely free throughout the process.
Ready to Get Started?
Join thousands of Australians who have already found their perfect loan through Vinance.
No commitment, completely free