Stop guessing. Start comparing.
Compare real offers in 60 seconds โ no obligation, no credit check
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Spoiler: comparing offers saves time and money.
Answer a few questions.
Tell us what you are looking for so we can line up options that make sense.
Compare your offers.
See real offers from multiple lenders side by side before committing.
You choose the winner.
Some partners may reach out to sharpen their offers. You choose the one that works for you.
We are not a lender, but we know a lot of them.
OfferWise brings together 100+ lenders so you can compare your options side by side.
$2.1B+
In loans facilitated
The smarter way to compare rates
See indicative rates from lenders in our network
From 8.9% p.a.
$5k to $5M ยท Terms from 3 months
From 6.99% p.a.
$2k to $100k ยท Terms from 1 year
From 5.89% p.a.
Up to $5M ยท 30 year terms
From 6.49% p.a.
$5k to $150k ยท Terms from 1 year
Rates above are indicative only and may change at lender discretion
Don't just take our word for it
Find out why thousands of Australians choose OfferWise
4.8/5
Rated Excellent
2,400+ reviews
10,000+
Australians helped
$2.1B+
In loans facilitated
100%
Free to use
โI'd been putting off sorting my health insurance for two years. Used OfferWise on my lunch break and finally switched. Took about a week to get everything confirmed but so worth it.โ
Sarah T.
Nurse, Melbourne
December 2025
โWas quoted 14.2% by my bank for a business loan. OfferWise showed me options from 9.8%. Took a few days to get the paperwork together but saved about $8k in interest over the term.โ
James K.
Cafe Owner, Sydney
January 2026
โUsed it to compare car loans before I went to the dealership. Knew exactly what rate I should be paying so I didn't get pressured into dealer finance.โ
Michelle R.
Project Manager, Brisbane
February 2026
โMy accountant had been telling me to get proper health cover for years. OfferWise made comparing actually possible โ I'd given up trying to read the PDS on each fund's website.โ
David L.
Freelancer, Perth
January 2026
โWe'd had a rough year and I wasn't sure any lender would touch us. OfferWise matched us with two that specifically work with businesses in our situation. One came through after about 5 days.โ
Tony M.
Plumbing Business Owner, Adelaide
February 2026
โRefinanced a personal loan I'd had for three years. The process wasn't instant โ there was a credit check and some back and forth โ but I ended up 3.4% lower than I was paying.โ
Rachel B.
Dental Receptionist, Gold Coast
December 2025
โAs a mortgage broker I send clients here for personal loans and car loans now. The lender panel is solid and the eligibility matching is more accurate than anything else I've used.โ
Mark S.
Finance Broker, Melbourne
January 2026
โI went in expecting to be rejected โ I'd only been trading 14 months. OfferWise filtered to lenders who work with newer businesses. Ended up with equipment finance approved about a week later.โ
Lisa W.
Florist, Sydney
March 2026
โSpent a Saturday afternoon comparing health funds and finally made a decision. The side-by-side on extras cover is exactly what I needed โ I always found that the hardest part to understand.โ
Chris P.
Teacher, Brisbane
February 2026
โMy business had an ATO debt I'd been ignoring. The specialist OfferWise connected me with was direct and practical. Took about three months to resolve but the outcome was much better than I expected.โ
Karen F.
Retail Business Owner, Sydney
January 2026
โI was worried that using a comparison site meant my details would get sold to a dozen lenders. It didn't work like that โ I chose which lender to proceed with before anything was shared.โ
Ben H.
Carpenter, Hobart
December 2025
โGot matched with a lender who understood seasonal cash flow. Most banks couldn't get past the fact that my revenue drops in winter. The loan settled about four days after I applied.โ
Steve R.
Landscaping Business, Perth
February 2026
โUsed the personal loan calculator before I started comparing. Helped me figure out what term I could actually afford before I started comparing. Small thing but it made a big difference.โ
Amanda C.
Hairdresser, Melbourne
March 2026
โHad a decent credit score but not a long borrowing history. OfferWise matched me with lenders who weight income and employment more heavily. Rate came in better than I expected.โ
Greg T.
Construction Project Manager, Canberra
January 2026
โI'd been on the same health fund for six years and never looked at alternatives. Switching saved me $63 a month and I actually have better extras cover now. Took about two weeks to switch properly.โ
Natalie O.
Pilates Instructor, Byron Bay
February 2026
โThe ATO debt service was not what I expected to find on a comparison site but it was exactly what I needed. The specialist knew the process inside out and I didn't feel judged.โ
Peter D.
IT Business Owner, Sydney
December 2025
โUsed it for a car loan. Appreciated that it showed comparison rates, not just the headline rate. The lender I went with was one I wouldn't have found on my own โ not a name I recognised.โ
Julie M.
Accounts Manager, Adelaide
January 2026
โApplied for working capital after a slow quarter. The lender called me the same day I submitted through OfferWise. Took about three days from application to settlement, which for us was quick enough.โ
Ryan K.
Landscaping Contractor, Brisbane
March 2026
โI knew roughly what I wanted but not which lender to trust. Seeing the options laid out with actual rates โ not ranges โ made it easier to have a proper conversation with my accountant before deciding.โ
Donna S.
Childcare Director, Melbourne
February 2026
โWe'd been turned down by two banks for equipment finance. The third lender OfferWise matched us with approved the application. Took a week but it was a relief after the knockbacks.โ
Sam W.
Gym Owner, Gold Coast
January 2026
โUsed it during a stressful period when cash flow had dried up. Didn't get exactly what I asked for โ the lender approved a smaller amount โ but it was enough to bridge the gap.โ
Liam B.
Retail Store Owner, Sydney
March 2026
โI'm not very financially literate and I found the product descriptions genuinely easy to follow. Ended up going with combined health cover after using the comparison tool. Happy with the decision.โ
Sophie A.
Admin Assistant, Melbourne
February 2026
โI'd been putting off sorting my health insurance for two years. Used OfferWise on my lunch break and finally switched. Took about a week to get everything confirmed but so worth it.โ
Sarah T.
Nurse, Melbourne
December 2025
โWas quoted 14.2% by my bank for a business loan. OfferWise showed me options from 9.8%. Took a few days to get the paperwork together but saved about $8k in interest over the term.โ
James K.
Cafe Owner, Sydney
January 2026
โUsed it to compare car loans before I went to the dealership. Knew exactly what rate I should be paying so I didn't get pressured into dealer finance.โ
Michelle R.
Project Manager, Brisbane
February 2026
โMy accountant had been telling me to get proper health cover for years. OfferWise made comparing actually possible โ I'd given up trying to read the PDS on each fund's website.โ
David L.
Freelancer, Perth
January 2026
โWe'd had a rough year and I wasn't sure any lender would touch us. OfferWise matched us with two that specifically work with businesses in our situation. One came through after about 5 days.โ
Tony M.
Plumbing Business Owner, Adelaide
February 2026
โRefinanced a personal loan I'd had for three years. The process wasn't instant โ there was a credit check and some back and forth โ but I ended up 3.4% lower than I was paying.โ
Rachel B.
Dental Receptionist, Gold Coast
December 2025
โAs a mortgage broker I send clients here for personal loans and car loans now. The lender panel is solid and the eligibility matching is more accurate than anything else I've used.โ
Mark S.
Finance Broker, Melbourne
January 2026
โI went in expecting to be rejected โ I'd only been trading 14 months. OfferWise filtered to lenders who work with newer businesses. Ended up with equipment finance approved about a week later.โ
Lisa W.
Florist, Sydney
March 2026
โSpent a Saturday afternoon comparing health funds and finally made a decision. The side-by-side on extras cover is exactly what I needed โ I always found that the hardest part to understand.โ
Chris P.
Teacher, Brisbane
February 2026
โMy business had an ATO debt I'd been ignoring. The specialist OfferWise connected me with was direct and practical. Took about three months to resolve but the outcome was much better than I expected.โ
Karen F.
Retail Business Owner, Sydney
January 2026
โI was worried that using a comparison site meant my details would get sold to a dozen lenders. It didn't work like that โ I chose which lender to proceed with before anything was shared.โ
Ben H.
Carpenter, Hobart
December 2025
โGot matched with a lender who understood seasonal cash flow. Most banks couldn't get past the fact that my revenue drops in winter. The loan settled about four days after I applied.โ
Steve R.
Landscaping Business, Perth
February 2026
โUsed the personal loan calculator before I started comparing. Helped me figure out what term I could actually afford before I started comparing. Small thing but it made a big difference.โ
Amanda C.
Hairdresser, Melbourne
March 2026
โHad a decent credit score but not a long borrowing history. OfferWise matched me with lenders who weight income and employment more heavily. Rate came in better than I expected.โ
Greg T.
Construction Project Manager, Canberra
January 2026
โI'd been on the same health fund for six years and never looked at alternatives. Switching saved me $63 a month and I actually have better extras cover now. Took about two weeks to switch properly.โ
Natalie O.
Pilates Instructor, Byron Bay
February 2026
โThe ATO debt service was not what I expected to find on a comparison site but it was exactly what I needed. The specialist knew the process inside out and I didn't feel judged.โ
Peter D.
IT Business Owner, Sydney
December 2025
โUsed it for a car loan. Appreciated that it showed comparison rates, not just the headline rate. The lender I went with was one I wouldn't have found on my own โ not a name I recognised.โ
Julie M.
Accounts Manager, Adelaide
January 2026
โApplied for working capital after a slow quarter. The lender called me the same day I submitted through OfferWise. Took about three days from application to settlement, which for us was quick enough.โ
Ryan K.
Landscaping Contractor, Brisbane
March 2026
โI knew roughly what I wanted but not which lender to trust. Seeing the options laid out with actual rates โ not ranges โ made it easier to have a proper conversation with my accountant before deciding.โ
Donna S.
Childcare Director, Melbourne
February 2026
โWe'd been turned down by two banks for equipment finance. The third lender OfferWise matched us with approved the application. Took a week but it was a relief after the knockbacks.โ
Sam W.
Gym Owner, Gold Coast
January 2026
โUsed it during a stressful period when cash flow had dried up. Didn't get exactly what I asked for โ the lender approved a smaller amount โ but it was enough to bridge the gap.โ
Liam B.
Retail Store Owner, Sydney
March 2026
โI'm not very financially literate and I found the product descriptions genuinely easy to follow. Ended up going with combined health cover after using the comparison tool. Happy with the decision.โ
Sophie A.
Admin Assistant, Melbourne
February 2026
โHad a personal loan from three years ago at 17.9%. Refinanced through a lender OfferWise matched me with at 11.4%. Wasn't instant โ took about a week โ but the saving over the remaining term is significant.โ
Tom H.
Electrician, Newcastle
January 2026
โThe health insurance section is properly useful. It shows you what each fund actually covers for physio and dental rather than just the tier names. That detail is what was always missing from other sites.โ
Emma J.
Physiotherapist, Sydney
February 2026
โHad no idea invoice finance was an option until OfferWise surfaced it. Changed how we manage cash flow entirely. The lender the platform matched us with has been great to work with.โ
Nick F.
Wholesale Distributor, Perth
March 2026
โMy bank offered me 12.9% for a personal loan. OfferWise found me 8.7%. I called the bank back with the competing offer and they didn't budge. Went with the new lender. Settled in four days.โ
Chloe R.
Retail Manager, Melbourne
January 2026
โI was nervous about my credit history but the eligibility check was honest. It told me which lenders I was likely to qualify with rather than letting me apply and get declined everywhere.โ
Jason P.
Chef, Brisbane
December 2025
โThe ATO debt specialist OfferWise connected me with was straightforward about what was realistic. We didn't get everything wiped but the interest remission alone was over $40k. It took about two months.โ
Helen T.
Catering Business Owner, Sydney
February 2026
โUsed it to find a car loan before heading to the dealership. Knew I could get 7.2% so when the finance manager offered me 11.5% I just politely said no thanks and arranged my own finance.โ
Andrew M.
Sales Manager, Adelaide
January 2026
โSwitching health funds always seemed complicated so I just never did it. OfferWise broke it down enough that I finally made the switch. Cover is better and I'm saving $47 a month.โ
Tina B.
Beauty Therapist, Gold Coast
March 2026
โThe comparison is genuinely apples-to-apples. I've tried other sites and usually end up more confused. This one shows you what actually matters for the product you're looking at.โ
Marcus L.
Wholesale Business Owner, Melbourne
February 2026
โNeeded bridging finance between two properties. OfferWise matched me with a specialist lender I never would have found otherwise. The rate wasn't cheap but it was what the market offered and the service was professional.โ
Kylie W.
Property Investor, Sunshine Coast
January 2026
โWhat I appreciated most was not being pressured. I looked at the results, took a few days to think, came back and proceeded. Nobody called me four times a day like other sites I've used.โ
Phil D.
Tradesman, Darwin
December 2025
โMy previous health fund had been raising premiums every year. OfferWise showed me I was 38% more expensive than comparable cover. Switched after about 10 days once I'd checked the waiting period implications.โ
Steph C.
Office Manager, Hobart
February 2026
โI used the car loan calculator to figure out what I could afford before I even started looking at cars. Ended up borrowing $32k at 7.6% over 4 years. Repayment was almost exactly what the calculator estimated.โ
Aaron G.
Plumber, Perth
March 2026
โI'd been avoiding dealing with a growing ATO debt for too long. The specialist was realistic โ it took about ten weeks and cost money โ but the result was a formal payment arrangement I can actually manage.โ
Mel H.
Childcare Centre Director, Sydney
January 2026
โI compared five personal loan options. Didn't go with the cheapest rate in the end โ the fees and flexibility of the second option made more sense for my situation. Appreciated having the full picture to make that call.โ
Dan R.
Personal Trainer, Canberra
February 2026
โI'd put off health insurance because choosing felt impossible. Used OfferWise when the tax deadline was approaching. The Medicare Levy Surcharge calculator alone was worth the visit.โ
Zoe K.
Graphic Designer, Byron Bay
December 2025
โGot matched with a lender that didn't require two years of trading history. I was at 16 months. The rate reflected the risk โ it wasn't the cheapest โ but getting the equipment I needed was worth it.โ
Brett N.
Baker, Melbourne
January 2026
โWhat I liked is that the platform didn't try to oversell me on a bigger loan than I needed. The results showed options for the exact amount I asked for, not inflated alternatives.โ
Fiona S.
Online Retailer, Brisbane
March 2026
โUsed it while I was at work โ answered the questions between calls. Had three loan options to review that evening. Chose one, started the application the next day. Settled about a week later.โ
Calvin T.
Food Truck Owner, Sydney
February 2026
โI'd tried two other comparison sites and found them pushy. OfferWise felt different โ like it was actually trying to help me find the right product rather than just get me to click apply on anything.โ
Ingrid M.
Pilates Studio Owner, Melbourne
January 2026
โBusiness car loan sorted. The rate was 1.8% lower than what the dealership's finance arm offered. I had to supply more documents than I expected but the process was straightforward and the lender communicated well.โ
Wayne B.
Electrical Contractor, Perth
March 2026
โI was dealing with an ATO payment arrangement that wasn't working for us. The specialist OfferWise connected me with renegotiated the terms. Took about six weeks. The monthly amount dropped by nearly half.โ
Leanne D.
Childcare Business Owner, Adelaide
February 2026
โHad a personal loan from three years ago at 17.9%. Refinanced through a lender OfferWise matched me with at 11.4%. Wasn't instant โ took about a week โ but the saving over the remaining term is significant.โ
Tom H.
Electrician, Newcastle
January 2026
โThe health insurance section is properly useful. It shows you what each fund actually covers for physio and dental rather than just the tier names. That detail is what was always missing from other sites.โ
Emma J.
Physiotherapist, Sydney
February 2026
โHad no idea invoice finance was an option until OfferWise surfaced it. Changed how we manage cash flow entirely. The lender the platform matched us with has been great to work with.โ
Nick F.
Wholesale Distributor, Perth
March 2026
โMy bank offered me 12.9% for a personal loan. OfferWise found me 8.7%. I called the bank back with the competing offer and they didn't budge. Went with the new lender. Settled in four days.โ
Chloe R.
Retail Manager, Melbourne
January 2026
โI was nervous about my credit history but the eligibility check was honest. It told me which lenders I was likely to qualify with rather than letting me apply and get declined everywhere.โ
Jason P.
Chef, Brisbane
December 2025
โThe ATO debt specialist OfferWise connected me with was straightforward about what was realistic. We didn't get everything wiped but the interest remission alone was over $40k. It took about two months.โ
Helen T.
Catering Business Owner, Sydney
February 2026
โUsed it to find a car loan before heading to the dealership. Knew I could get 7.2% so when the finance manager offered me 11.5% I just politely said no thanks and arranged my own finance.โ
Andrew M.
Sales Manager, Adelaide
January 2026
โSwitching health funds always seemed complicated so I just never did it. OfferWise broke it down enough that I finally made the switch. Cover is better and I'm saving $47 a month.โ
Tina B.
Beauty Therapist, Gold Coast
March 2026
โThe comparison is genuinely apples-to-apples. I've tried other sites and usually end up more confused. This one shows you what actually matters for the product you're looking at.โ
Marcus L.
Wholesale Business Owner, Melbourne
February 2026
โNeeded bridging finance between two properties. OfferWise matched me with a specialist lender I never would have found otherwise. The rate wasn't cheap but it was what the market offered and the service was professional.โ
Kylie W.
Property Investor, Sunshine Coast
January 2026
โWhat I appreciated most was not being pressured. I looked at the results, took a few days to think, came back and proceeded. Nobody called me four times a day like other sites I've used.โ
Phil D.
Tradesman, Darwin
December 2025
โMy previous health fund had been raising premiums every year. OfferWise showed me I was 38% more expensive than comparable cover. Switched after about 10 days once I'd checked the waiting period implications.โ
Steph C.
Office Manager, Hobart
February 2026
โI used the car loan calculator to figure out what I could afford before I even started looking at cars. Ended up borrowing $32k at 7.6% over 4 years. Repayment was almost exactly what the calculator estimated.โ
Aaron G.
Plumber, Perth
March 2026
โI'd been avoiding dealing with a growing ATO debt for too long. The specialist was realistic โ it took about ten weeks and cost money โ but the result was a formal payment arrangement I can actually manage.โ
Mel H.
Childcare Centre Director, Sydney
January 2026
โI compared five personal loan options. Didn't go with the cheapest rate in the end โ the fees and flexibility of the second option made more sense for my situation. Appreciated having the full picture to make that call.โ
Dan R.
Personal Trainer, Canberra
February 2026
โI'd put off health insurance because choosing felt impossible. Used OfferWise when the tax deadline was approaching. The Medicare Levy Surcharge calculator alone was worth the visit.โ
Zoe K.
Graphic Designer, Byron Bay
December 2025
โGot matched with a lender that didn't require two years of trading history. I was at 16 months. The rate reflected the risk โ it wasn't the cheapest โ but getting the equipment I needed was worth it.โ
Brett N.
Baker, Melbourne
January 2026
โWhat I liked is that the platform didn't try to oversell me on a bigger loan than I needed. The results showed options for the exact amount I asked for, not inflated alternatives.โ
Fiona S.
Online Retailer, Brisbane
March 2026
โUsed it while I was at work โ answered the questions between calls. Had three loan options to review that evening. Chose one, started the application the next day. Settled about a week later.โ
Calvin T.
Food Truck Owner, Sydney
February 2026
โI'd tried two other comparison sites and found them pushy. OfferWise felt different โ like it was actually trying to help me find the right product rather than just get me to click apply on anything.โ
Ingrid M.
Pilates Studio Owner, Melbourne
January 2026
โBusiness car loan sorted. The rate was 1.8% lower than what the dealership's finance arm offered. I had to supply more documents than I expected but the process was straightforward and the lender communicated well.โ
Wayne B.
Electrical Contractor, Perth
March 2026
โI was dealing with an ATO payment arrangement that wasn't working for us. The specialist OfferWise connected me with renegotiated the terms. Took about six weeks. The monthly amount dropped by nearly half.โ
Leanne D.
Childcare Business Owner, Adelaide
February 2026