Zappy Loans
We simplify borrowing with personalised, quick, and reliable finance solutions, helping you get approved faster, without the stress.
Whether it’s for your car, home, or business, our brokers compare 40+ lenders to get you cracking with the right deal.
Car Loans
Zappy Loans provides professional car financing solutions for both new and used vehicles. Our brokers leverage a panel of 40+ trusted lenders to secure competitive interest rates and flexible repayment terms tailored to your budget. Whether you are purchasing from a dealership or privately, we assess your financial position and recommend the most suitable loan structure.
From application to approval, we manage all documentation and liaise with lenders, ensuring a seamless borrowing experience. With expert guidance, fast approvals, and personalised support, Zappy Loans helps you access car finance that aligns with your lifestyle and financial goals.
Truck Loan
Our truck finance solutions are built for businesses, fleet operators, and owner-drivers who need reliable vehicle funding. At Zappy Loans, we compare multiple lenders to secure competitive rates and repayment options that suit your operational needs. Whether it’s a new or used truck, trailer, or commercial vehicle, we handle the application, documentation, and approval process with efficiency and care.
Our team works quickly so you can access funding without delay, keeping your business running smoothly. With tailored advice and clear guidance, Zappy Loans delivers truck finance that’s flexible, affordable, and hassle-free, helping your business keep moving confidently.
Personal Loan
At Zappy Loans, our secured and unsecured personal loans are designed to help you manage life’s plans, projects, and unexpected moments — whether you’re buying a car, covering car repairs, planning travel, investing in leisure assets like boats, motorbikes, or caravans, or bridging short-term needs with gap finance. We also support a wide range of everyday financial needs including debt consolidation, home improvements, new furnishings, medical expenses, cosmetic procedures, education costs, small business expenses, paying a tax bill, or major life events such as weddings and funerals. Our brokers compare 40+ trusted Australian lenders to find competitive rates and flexible terms, handling all the paperwork and negotiations to make the process simple and stress-free. With fast approvals, transparent advice, and personalised guidance from start to finish, we make it easy to get the right loan for your goals.
Finance Solutions
Zappy Loans specialises in commercial finance, from chattel mortgages and unsecured business loans to cashflow finance, helping your business grow, buy gear, or keep operations running smoothly. Our brokers tap into a wide lender network to get competitive rates and flexible options that suit your business.
We handle the lot, from assessment and application to documentation and approval, making the whole process quick and hassle-free. With personalised advice, clear guidance, and fast turnaround, Zappy Loans makes sure your business gets the right finance, with confidence and ease.
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Why Choose Us
At Zappy Loans, we provide personalised loan solutions for cars, trucks, personal needs, and businesses — with expert guidance and a hassle-free process every step of the way.
Get financed faster.
Loans tailored to your needs.
Finance advice you can trust.
Easy application, minimal paperwork.
FAQs
The best car loan depends on comparing rates, repayment terms, and loan features. Zappy Loans brokers access 40+ lenders to find competitive interest rates, flexible repayment options, and tailored loan structures that suit your financial situation.
From application to settlement, we manage documentation and liaise with lenders to ensure a smooth, stress-free experience, helping you drive away with confidence while getting the most cost-effective car loan available.
Yes, Zappy Loans helps Australians finance both new and used cars. Used car loans are widely available through multiple lenders, with rates comparable to new vehicles depending on age and value. Our brokers compare lenders to find competitive interest rates and flexible repayment terms tailored to your budget.
We handle all paperwork, coordinate with lenders, and ensure fast approval. Whether purchasing privately or through a dealership, Zappy Loans provides guidance and support throughout the process, giving you confidence and clarity when financing your used car.
Truck loans provide businesses with financing to purchase commercial vehicles, trailers, or fleets. Zappy Loans brokers compare multiple lenders to secure competitive rates, flexible repayment terms, and tailored loan structures that suit your operational needs.
Whether funding new or used trucks, we manage the application, documentation, and approval process professionally, ensuring quick access to finance. With our guidance, businesses can keep operations running smoothly while accessing finance efficiently and affordably.
A secured personal loan is backed by an asset, such as a car, property, or savings, providing lenders with collateral and often resulting in lower interest rates. Zappy Loans brokers assess your financial position and compare multiple lenders to find competitive rates and flexible repayment terms.
Secured personal loans typically allow higher borrowing limits and longer repayment periods, making them ideal for larger expenses like home renovations or significant purchases. We guide you through the application, documentation, and approval process, ensuring a smooth and stress-free borrowing experience tailored to your financial goals.
Unsecured personal loans do not require collateral, giving fast access to funds for expenses like travel, home improvements, or debt consolidation. Rates are typically higher than secured loans due to increased lender risk. Zappy Loans brokers compare 40+ lenders to find competitive rates and flexible repayment terms that suit your financial situation.
We manage the application, documentation, and approvals, providing clear guidance throughout the process. This option is ideal for borrowers needing quick access to finance without pledging assets, while still benefiting from tailored loan solutions that meet personal or lifestyle goals.
Yes, having a lower credit score does not automatically prevent approval. Zappy Loans works with lenders who consider income, employment stability, and other financial factors beyond credit scores. Secured personal loans may improve your chances, as they are backed by collateral.
Our brokers assess your financial situation, compare multiple lenders, and recommend the best options to maximise approval chances. We handle all documentation and guide you through the process professionally, helping borrowers with less-than-perfect credit access to suitable personal loan options without excessive fees or high-risk terms.
The amount you can borrow depends on your income, living expenses, existing debts, and credit history. Zappy Loans brokers analyse your financial situation and compare 40+ lenders to determine a realistic and affordable loan amount. Secured loans may allow higher borrowing limits due to collateral, while unsecured loans are usually smaller but quicker to access.
Our team ensures repayments are manageable within your budget and recommends the loan structure that balances cost, flexibility, and approval chances, helping you achieve personal goals like renovations, travel, or debt consolidation safely.
A chattel mortgage is a type of commercial finance designed for business vehicles or equipment. The borrower owns the asset immediately while repaying the loan, and the lender retains a mortgage over it. Zappy Loans brokers help structure chattel mortgages to provide competitive rates, flexible repayment terms, and potential tax benefits for businesses.
We manage documentation, lender liaison, and approvals, ensuring a smooth and professional process. Chattel mortgages are ideal for purchasing trucks, machinery, or commercial equipment, allowing businesses to access funding efficiently while maintaining ownership of the asset from day one.
Unsecured business loans provide capital without requiring collateral, offering fast access to funding for working capital, expansion, or operational needs. Interest rates are based on your business’s financial position and creditworthiness. Zappy Loans brokers compare multiple lenders to find competitive rates and flexible repayment structures tailored to your business.
We manage applications, documentation, and approvals, ensuring a streamlined process. This type of financing is ideal for businesses needing quick access to funds without risking assets, allowing growth, cash flow management, and operational stability while maintaining transparency and professional guidance throughout the loan lifecycle.
Yes. Cashflow finance helps businesses manage daily operations, payroll, or unexpected expenses. Zappy Loans brokers assess your cashflow requirements and compare multiple lenders to find competitive rates and flexible repayment terms. We structure loans to support ongoing operational needs without putting assets at risk.
From application to approval, we handle documentation and liaise with lenders, providing businesses with fast and efficient access to funds. Cashflow finance is ideal for companies seeking short-term funding to maintain stability, manage growth, or invest in opportunities while keeping their operations smooth and uninterrupted.
Approval timelines vary depending on loan type and lender requirements. Car and personal loans are often approved within a few days, while commercial finance, such as chattel mortgages or unsecured business loans, may take longer due to additional checks.
Zappy Loans brokers manage documentation, liaise with lenders, and streamline the process to ensure faster approvals whenever possible. We provide clear guidance at every step, helping borrowers understand timelines and requirements so they can plan effectively while enjoying a smooth, stress-free borrowing experience for personal or business needs.
Most of the time, using Zappy Loans comes at no extra cost to the borrower. Brokers are generally paid by lenders after settlement. Any applicable fees are explained upfront to ensure transparency. Working with a broker provides access to multiple lenders, expert guidance, and faster approvals.
We help you compare competitive rates, navigate loan terms, and select the most suitable option, all while managing paperwork and communication with lenders. This ensures a seamless experience without hidden costs and maximises your chance of approval for personal, car, truck, or business loans.
Loan documentation typically includes proof of identity, income statements or payslips, bank statements, and details of existing assets or liabilities. For business loans, financial statements and tax returns may be required.
Zappy Loans provides a detailed checklist to simplify the process and ensure all paperwork is completed accurately for a smooth lender assessment. By preparing documents in advance, borrowers can expedite approvals and reduce delays. Our brokers guide you through the process professionally, ensuring that personal, commercial, car, or truck loan applications are submitted correctly and efficiently for the best possible outcome.
Fixed loans maintain consistent repayments for the term, offering certainty and protection against rate rises. Variable loans fluctuate with interest rates and may offer flexibility and potential savings. Split loans combine both fixed and variable components to balance security and flexibility.
Zappy Loans brokers assess your financial goals, risk appetite, and repayment capacity to recommend the best structure. By comparing multiple lenders and loan options, we ensure the chosen approach aligns with your budget and lifestyle while providing competitive rates and long-term affordability for personal, car, truck, or business financing.
Zappy Loans provides access to 40+ lenders, competitive rates, and expert guidance for car, truck, personal, and commercial loans. We manage the process from application to settlement, ensuring smooth approvals and clear communication.
Our brokers tailor solutions to each client’s financial situation and goals, offering professional advice while keeping the process simple and transparent. With fast approvals, flexible options, and ongoing support, Zappy Loans combines industry expertise with personalised service, making it easy for Australians to access the right finance confidently, whether for personal needs, vehicles, or business growth.
At Zappy Loans, we provide personalised loan solutions for cars, trucks, personal needs, and businesses — with expert guidance and a hassle-free process every step of the way.
