Before you sign that finance offer, give us a chance to find you a better one.
Send us the offer you already have. We'll compare the rate, fees, repayments, balloon, structure and overall cost against suitable finance options available through loan-o.
- Free, no obligation
- No obligation to switch
- Eligible accepted submissions may qualify for a $50 gift card*
*Eligibility, acceptance requirements and exclusions apply - see the Terms and Conditions.
Three steps to compare your offer.
Share your offer
Complete the form and tell us about the finance offer you have received.
We compare it
A loan-o specialist reviews your offer against suitable options available through our lender panel.
You get a straight answer
We explain whether we can improve the overall outcome, or whether your existing offer already stacks up.
Why comparing your offer is just smart, not difficult
A finance offer from one lender reflects that lender's own pricing and appetite for your situation on the day it was issued - nothing more. Comparing costs you nothing and takes a phone call; not comparing can quietly cost thousands over the life of the loan in a higher rate, extra fees, or a longer term than you needed.
One lender = one lender's pricing.
An approval tells you what that lender is prepared to offer. It does not tell you what another suitable lender may offer.
This is exactly the gap loan-o's Compare Before You Sign service is built to close. You do not need to be a loan-o client, and there is no obligation to move your finance to us once you see the comparison. For more on how this works in practice, see our free contract review service and our guide to what a comparison rate actually means.
What we actually compare
Interest & comparison rate
Rate versus the true cost of the finance.
Fees & charges
Upfront, ongoing and exit fees.
Total amount payable
What the finance may cost across the full term.
Balloon / residual
How much remains due later.
Security requirements
Assets, guarantees or security attached to the finance.
Lender & facility fit
Whether the approval structure suits your situation.
A lower repayment is not automatically a better deal - it can just mean a longer term or a larger balloon further down the track. We flag those trade-offs plainly rather than only quoting a headline number.
Who this suits
A good fit
- You have a written offer for consumer or commercial finance you have not signed yet
- You want an independent second opinion before committing
- You would rather spend five minutes now than find out later you paid more than you needed to
- Your finance is vehicle, equipment, caravan, truck, trailer, personal or business finance
Not eligible
- The offer has already been accepted, signed or settled
- It is a residential home loan or other property mortgage lending
- The offer came directly from a Major Bank (see the Terms and Conditions)
Our $50 Compare Before You Sign promotion
Our promise, in plain terms.If your submission is accepted into the promotion and the applicable conditions are met, you may be eligible for a $50 gift card if loan-o does not present a Better Overall Finance Outcome within the review period.
Eligibility, acceptance requirements and exclusions apply. Read the full Terms and Conditions.
Important information
Finance is subject to lender approval, lending criteria, terms, conditions, fees and charges.
The information on this page is general and does not take into account your personal or business needs.
Participation in the Compare Before You Sign promotion is subject to the full Terms and Conditions.
Reviewed by
No. The initial review is based on the offer and information you provide, not a credit check. If you choose to proceed with an alternative option, the usual lender assessment applies to that application, the same as any other finance approval.
No. You are never required to proceed with finance arranged by loan-o, whether or not we present an alternative to your existing offer.
Consumer motor vehicle finance, commercial vehicle, truck and trailer finance, caravan finance, equipment and machinery finance, chattel mortgage and other commercial asset finance, personal loans, and business loans or lines of credit.
Once we confirm we have everything we need, the review period is four business days. A loan-o specialist will call you first to arrange the comparison and collect your offer details.
A genuine, current, written finance offer with enough detail to allow a meaningful comparison - for example a formal approval, conditional approval, pre-approval, finance quotation, pricing schedule, lender proposal, approval letter or unsigned draft finance contract.
Only where loan-o issues an Acceptance Notice and, after taking reasonable steps, is not able to present a Better Overall Finance Outcome within the review period. Submitting an offer does not itself guarantee acceptance into the promotion or a voucher - see the full Terms and Conditions for eligibility and exclusions.
No. The offer must be submitted before it is accepted, signed or settled - finance that has already been accepted, signed or settled is not eligible.
No. Residential home loans, residential investment property loans and other property mortgage lending are excluded from this promotion.
Got an offer? Let us take a second look.
Before you sign, send us the offer and we will help you understand how it stacks up.