Get your finance settled in 7 days. Pay $0 origination fee.
Save up to $2,000. Enquiries close 28 November.
Ready to move? Send your required documents within 24 hours of enquiring and settle your finance within 7 days to qualify for our Black Friday origination fee waiver.
Enquiries close 11:59 pm AEST, 28 November 2026.
Offer subject to lender approval, the document and settlement requirements, and the promotional terms. Approval and settlement are not guaranteed.
Finance for the things you are buying.
Four steps from enquiry to settled.
- 01
Send your details
Tell us what you are financing. A specialist calls to confirm your situation and the documents we need.
- 02
Send your documents
We give you a clear document list. Send everything within 24 hours of your enquiry. The seven days are counted from the day you enquire.
- 03
Approval and settlement
Your application goes through the normal loan-o process. Lender approval is not guaranteed.
- 04
Fee waiver applied
If you qualify under the terms, the origination fee is removed from your finance at settlement.
Documents we need from you.
The faster we have everything, the faster your finance can move. Your specialist will confirm the exact list for your situation.
- Photo IDCurrent driver licence or passport for every applicant and guarantor.
- Proof of income or business incomeRecent payslips or the latest BAS and business bank statements, depending on your situation.
- Bank statementsThe most recent statements for the accounts your income and repayments run through.
- The asset or invoiceA supplier invoice, quote or contract of sale for what you are financing.
- Current finance detailsOnly if you are refinancing or already hold finance: a recent statement or payout figure.
Read before you apply
Is this offer right for you?
This is a guide only. Your eligibility is confirmed by loan-o after your documents are received and your finance settles.
It may suit you if
- You can send all required documents within 24 hours of your enquiry.
- Your purchase or refinance is ready to settle within the offer window.
- You are financing an eligible product (see the terms).
- You are happy to proceed if a lender approves your application.
It will not apply if
- Your finance is not approved by a lender.
- Documents are incomplete or arrive late.
- Settlement happens after the offer window closes.
- Other exclusions in the terms apply.
An Australian broker you can check.
Average from 52 Google reviews.
Access to a panel of bank and non-bank lenders, so you are not limited to one.
Real people to call on 1300 156 266.
More from the loan-o group
This Black Friday offer is run by loan-o under the terms on this page. These sister sites help with the rest of your purchase.
Eligibility and settlement, explained.
What does the $0 origination fee offer actually include?
Eligible customers who send all required documents within 24 hours of their enquiry and settle their finance within seven calendar days of it pay no loan-o origination fee. Lender fees, government charges, valuation or search fees and any other third-party costs are separate and still apply. Full details are in the promotional terms.
Is approval guaranteed if I apply?
No. Every application is assessed by the lender against their credit criteria. Applying for the offer does not mean you will be approved or that your finance will settle.
What does the 7 day window mean and when does it start?
The window is seven calendar days, counted from the day loan-o receives your enquiry. You need to send all required documents within 24 hours of enquiring, and your finance needs to settle inside the seven days. The exact rule is set out in the promotional terms.
What if the lender or the seller causes a delay?
If a lender, seller or valuer causes a delay after you have provided all required documents, loan-o may extend the window in writing at its discretion. See the promotional terms.
Which finance types are included?
All loan-o finance products are included, for enquiries made by 11:59 pm AEST on 28 November 2026. There is no minimum loan amount. All finance is subject to lender approval.
Does checking my eligibility affect my credit score?
Sending an enquiry does not involve a credit check. A credit check only happens if you choose to proceed with an application with a lender.
Can I combine this with another loan-o offer?
No. The offer cannot be combined with another loan-o promotion or fee discount. See the promotional terms.
- Origination fee waiver applies to loan-o's origination fee only, not lender or third-party fees.
- All required documents and settlement must be completed within the offer window.
- Subject to lender approval and credit criteria. No guarantee of approval or settlement.
- loan-o confirms eligibility; the waiver is applied at settlement, not automatically.
Read the full Black Friday promotional terms.
Need finance? Enquire before 28 November.
Send your details now, your documents within 24 hours, and settle in 7 days to save up to $2,000. After 28 November the offer is gone.
Black Friday offer: a $0 loan-o origination fee applies only to customers who meet every condition in the promotional terms. Finance is subject to lender approval and credit criteria; fees, charges and lender terms apply. Eligibility is confirmed by loan-o. Offer may be withdrawn or varied as set out in the terms.