LoanXP is a loan information, comparison and referral platform helping Australians understand their borrowing options. We bring together publicly available provider information and practical explanations so you can compare costs, features and requirements before approaching a lender.
Our content covers personal loans, car finance, home loans, business finance, short-term borrowing and debt consolidation, alongside information about credit, budgeting and managing repayments.
Our purpose: making borrowing easier to understand
Researching a loan involves more than finding a provider willing to consider your application. You also need to understand what the borrowing could cost, how the repayments fit your budget and which conditions apply.
LoanXP helps make that research more manageable by bringing information about banks and other lenders into one place. Our aim is to help you recognise meaningful differences between products and identify questions to ask before applying.
How LoanXP operates
Our role is to publish comparison information and connect interested readers with participating lenders or referral partners. Access to our comparison content and submission of an enquiry through the website are free.
Our listings provide a starting point for researching borrowing options. They do not represent a complete survey of every lender, product or offer available in Australia.
Helping you look beyond the headline rate
A low advertised interest rate or a small regular repayment tells only part of the story. The loan term, application or establishment fees, ongoing fees and other applicable charges can materially affect the total cost of credit. Security requirements also matter when an asset is used as collateral.
A comparison rate combines interest and most fees into a single percentage based on a specified loan amount and term. It may not include every cost. Check its assumptions and exclusions when comparing offers.
For example, extending a loan over a longer period may reduce the regular repayment while increasing the total amount repaid. Our content encourages readers to consider both affordability today and the full repayment commitment.
Borrowing may not be suitable in every situation. A provider listing cannot establish whether you will qualify, afford the repayments or benefit from taking on additional debt.
The information behind our content
Our provider profiles and guides draw on publicly available information to explain product features, costs and requirements in accessible language. They provide a starting point for your research, rather than a personalised recommendation.
Rates, fees, loan amounts, eligibility requirements and funding times can change. Confirm current details directly with the provider and read the pre-contractual disclosures and proposed credit contract before accepting an offer. Calculator results and repayment examples are illustrative, rather than binding quotes.
What happens when you make an enquiry
LoanXP does not lend money, approve applications or set borrowing terms. If you submit an enquiry through our website, your details may be shared with participating lenders or referral partners so they can consider your request and contact you.
The lender assesses your application and determines the terms of any offer. An enquiry does not confirm approval or the availability of funds, and you are under no obligation to accept an offer.
Our content provides general information and does not constitute financial advice or assess your individual circumstances. Read our Terms of Use and Privacy Policy for information about using the website and how personal information is handled.
How LoanXP is funded
LoanXP may receive advertising payments, referral fees or affiliate commissions from lenders and referral partners. These commercial arrangements help support the website.
These commercial relationships may influence the providers, content or placements you see and the referral options available through the website. Sponsored or promoted placements will be identified as such. A provider’s inclusion does not establish that it offers the lowest cost or is suitable for your circumstances.
Our Affiliate Disclaimer provides further information about referral services and commercial relationships.
Questions, feedback and corrections
If you notice outdated information, an unclear explanation or an error in a provider listing, contact us at info@loanxp.com.au. Include the page address and the detail you believe needs attention so we can investigate.
Questions about an application, credit contract, funding or repayment arrangement should be directed to the provider handling your enquiry.