Your trusted partner for comparing ASIC-licensed personal loans across Australia. We help you make informed borrowing decisions with transparency and consumer protection at the forefront.
Loan Platform Australia exists to empower Australians with transparent, comprehensive loan comparisons that prioritise consumer protection and informed financial decisions. We connect borrowers with ASIC-licensed lenders whilst maintaining the highest standards of compliance with the National Consumer Credit Protection Act 2009 (NCCP Act) and Australian Consumer Law.
Our platform serves over 90% of Australia's population across 8 states and territories, covering 165 major cities from Sydney to Darwin, providing localised loan comparisons tailored to each region's economic landscape.
We only display ASIC-licensed lenders who comply with the NCCP Act. Every lender must meet responsible lending obligations, conduct affordability assessments, and provide clear disclosure of all terms and conditions.
We clearly disclose our affiliate relationships and how we earn commissions. Our rankings are based on objective criteria including interest rates, fees, approval speed, customer reviews, and product features—not commission amounts.
We actively promote responsible borrowing practices. Our content emphasises the importance of borrowing within your means, understanding loan terms, and seeking financial counselling when needed.
Every lender on our platform holds a valid Australian Credit Licence (ACL) issued by ASIC. We verify licence status regularly and immediately remove any lenders who lose their authorisation or fail to meet compliance standards.
Our comparison tools help you filter lenders by interest rate, loan amount, term length, fees, approval speed, and customer ratings. We provide detailed product information, eligibility criteria, and representative examples so you can make informed decisions.
When you find a suitable loan, you apply directly with the lender—not through us. This ensures your application is processed according to the lender's responsible lending obligations, including proper affordability assessments and suitability checks.
Loan Platform Australia is free for consumers. We earn commissions from lenders when you successfully complete an application. Importantly, these commissions do not affect your interest rate or loan terms— you receive the same offers whether you come through our platform or go directly to the lender.
Lenders are ranked using an objective, weighted scoring system based on the following criteria:
Base interest rates, comparison rates, establishment fees, monthly fees, and early repayment fees.
Loan amount range, term flexibility, repayment options, extra repayment allowances, redraw facilities.
Average approval time, online application availability, document requirements, settlement speed.
Verified customer reviews, complaint resolution, AFCA complaints data, customer service quality.
Commission amounts do not influence rankings. We may earn higher commissions from some lenders, but this does not affect their position in our comparison tables.
AI Search & Lending Expert • 25 years in banking • Specialization: online consumer lending
25+
YEARS IN BANKING & FINTECH
Rostislav Sikora is a hands-on leader with 25 years of experience in banking and consumer finance. He helps companies design, launch, and scale online lending across markets—from licensing and compliance to scoring, antifraud, P&L ownership, and collections.
Over the last 20 years, the companies he built or led have issued loans to more than 2,000,000 people, totaling $5B in originations and achieving an average customer rating of 4.8 out of 5.
2M+
Customers Served
$5B+
Total Loan Volume
4.8/5
Average Rating
Maloni s.r.o.
Loan Comparison Platform (Not a Lender)
ASIC-licensed lenders only
All 8 Australian states & territories
Important: Loan-Platform.com is not a credit provider. We do not issue loans, make lending decisions, or determine your interest rate. All credit decisions are made by ASIC-licensed lenders based on their responsible lending obligations under the NCCP Act.
Explore ASIC-licensed lenders across Australia and find the best loan for your needs.