Simplify streamlines both the online loan comparison and application journey, providing a straightforward, hassle-free and transparent process.  We offer both the ability to transact online and with a trusted loan expert. We compare and provide you tailored solutions based on your profile.

Every borrower, lender, and loan is unique, so loan approval times can vary.  Generally speaking, (subject to responsible lending inquiries and supporting documentation), we can get you approved the same business day.   More complex situations can take a little longer, but we will look after the entire process for you. We have a great relationship with our lenders, plus we have skilled loan experts to guide you, so if you are in a hurry and need something arranged quickly, you’ve come to the right place.

With Simplify, when you get an estimate, compare loans and apply for finance, it does NOT impact or affect your credit score. Our no-effect credit check ensures you can check your eligibility for a loan with confidence.

Disclaimer:  When submitting your application to any lender a formal credit enquiry will be placed on your credit file, this can affect your credit score at this time.  Our loan experts will inform you before submitting your application to any lender, so you can complete your application with Simplify, with total confidence.

Our loans start from $5,000. Determining how much you can borrow is based on how much you earn, how much you spend each month, and your credit habits. This calculation is used to figure out your borrowing power – how much you can afford to pay back to a lender each month or repayment period.

We make the whole process easy and safe - you can calculate repayments, view best matches, lock in a personalised rate and apply online, directly on your mobile or computer through our website. 

We always put our customers first, it’s in our DNA and our team of loan experts pride themselves in making customers happy and getting the best loan for your needs. This is why we have continuously received the Feefo Platinum Trusted Service Award over the years with a rating of 4.9/5, and Feefo has named us “Exceptional”. Read what our customers have to say in our reviews.

Depending on your individual circumstances this can vary. The lender will determine the rate when completing your loan assessment.  It is our job to negotiate the best terms available to you, so you don’t have to.  An indicative guide of what your rate could be will be provided before submitting your application to a lender to ensure you are comfortable with the repayments and terms proposed. To get an estimate of what your loan term, rates and repayments could be, visit our loan calculator.

You can view the fee schedules, rates and terms for Simplify loans on our website here Fees and Charges.