Business Details
Trusted Loan Solutions for Your Financial Needs
At Loans 123, our goal is to provide fast, experienced services that help clients make informed decisions about their financing needs. We specialise in car, personal, commercial, and travel loans, offering competitive interest rates and tailored solutions for individuals and businesses in Perth, Western Australia. Our team of brokers evaluates each client's unique financial situation to deliver flexible repayment terms and streamlined application processes. With over a decade of combined experience in finance brokering, we prioritise understanding client needs, ensuring access to lenders that provide loans for vehicles, boats, equipment, and personal use.Our services include debt consolidation options, insurance products, and free advisory services like car finders to enhance customer experience. We operate under Australian Credit Licence 512846 and maintain ABN 51 626143333, adhering to strict credit approval criteria while maintaining transparency about fees, charges, and terms.
Services
Car Loans
Personal Loans
Commercial Loans
Travel Loans
Boat Loans
Debt Consolidation
Insurance
Novated Lease
Equipment Rental
Asset Lease
Highlights and features
- We've simplified the loan application process
- We offer competitive interest rates matching major banks
- Our brokers provide fast loan approvals with transparent criteria
- We specialise in targeted insurance solutions for financed assets
- Our team understands local market needs in Perth
Services
Car Loans
We offer competitive car loans for new and used vehicles, available for personal or business use. Our financing options include no deposit requirements for qualified applicants, with loan terms ranging from 12 to 84 months. We specialise in helping clients secure financing for both individual vehicles and fleet purchases, with interest rates determined by individual circumstances and credit ratings.
Personal Loans
Our personal loans provide flexible financing solutions for various needs including debt consolidation, home renovations, and major purchases. We offer unsecured loans ranging from $4,000 to $50,000 with terms up to 7 years. Our brokers work with clients to determine appropriate loan amounts based on income, expenses, and repayment ability, while offering competitive interest rates and transparent fee structures.
Commercial Loans
We specialise in commercial loans for business equipment purchases, including vehicles, machinery, and other physical assets. Our financing options range from $5,000 to $250,000 with terms between 2 and 7 years. We offer low-documentation options for established businesses and work with clients to structure financing that supports business growth and expansion initiatives across Western Australia.
Travel Loans
Our travel loans provide financing for leisure activities and holidays, with amounts ranging from $4,000 to $50,000. These unsecured personal loans feature flexible repayment terms and fixed interest rates. We help clients finance various travel-related expenses including flights, accommodation, and travel accessories, with funds typically available within days of approval for immediate holiday planning.
Boat Loans
We offer specialised financing for new and used boats, including powerboats, sailboats, yachts, and jetskis. Our boat loans range from $5,000 to $50,000 with typical terms up to 5 years. We work with marine lenders to provide competitive rates and flexible down payment options, helping clients finance both recreational watercraft and related equipment through our dedicated team of boating finance specialists.
Questions
What types of loans does Loans 123 offer?
We offer car loans, personal loans, commercial loans, travel loans, boat loans, and debt consolidation options with competitive rates across Western Australia.
How old must I be to apply for a loan?
You must be at least 18 years old to apply for any loan product through Loans 123.
Can I get pre-approval for a loan?
Yes, pre-approval is valid for 30 days and helps you understand your borrowing capacity before making purchases.
Do I need a deposit for my loan application?
Deposits aren't always required but may be requested based on credit history or the value of financed goods.
How does my credit rating affect loan approval?
Your credit score impacts loan eligibility and interest rates, with higher scores typically qualifying for better terms.
What areas do you serve?
We primarily serve Perth and surrounding areas in Western Australia, with online services available Australia-wide.
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