Finance broking · Australia-wide
Your credit history is one part of the picture. Not the whole thing.
Credit4U compares lenders for employed Australians borrowing from $5,000. If you have had defaults or missed payments, you can still apply. What our lenders want to see is that you are working now.
- One enquiry, compared across our lender panel
- Checking your options does not affect your credit score
- Personal, car, home and business finance
- Licensed under ACL 393689 and a member of AFCA
Free enquiry · 2 minutes · No credit check
How it works
Three steps, and you are never in the dark
Tell us the basics
Two minutes online. Loan amount, what it is for, your work and income, and roughly how your credit history looks. No documents at this stage.
We match you to lenders
We compare your profile against our panel and identify the lenders most likely to approve you at the best rate available to you. This is research, not a credit application, so nothing touches your file.
You decide what happens next
We email you what we found and what it would cost. Only if you want to proceed do we lodge a formal application — and only then is a credit enquiry recorded.
What we arrange
Finance across our panel
Personal loans
Secured or unsecured, 1 to 7 years. Renovations, medical costs, weddings, travel, or consolidating what you already owe.
Learn more → Most requestedDebt consolidation
Roll multiple debts into one repayment at one rate. Often the fastest way to reduce what you pay each month.
Learn more → Secured from 9.00%Car loans
New, used or private sale. Securing the loan against the vehicle usually brings the rate down substantially.
Learn more →Home loans
Purchase, refinance or access equity. We compare lender policy as well as rate, which matters if your situation is not standard.
Learn more →Business loans
Working capital, expansion or cash flow. Commercial lending is assessed on business performance rather than personal credit score alone.
Learn more →Equipment finance
Vehicles, machinery and fit-out. The asset secures the loan, which usually means a better rate than an unsecured facility.
Learn more →Straight talk
What a broker actually does for you
Applying directly to lender after lender is the most expensive mistake a borrower with imperfect credit can make. Every application leaves an enquiry on your credit file. A file with six enquiries in three months reads as distress, and lenders price that in — or decline outright.
We work the other way around. We assess your position once, compare it against what we know about each lender's policy, and approach only the ones with a genuine chance of approving you. One enquiry instead of six.
The part most people do not know
Lenders do not publish their credit policies. What is advertised is the rate; what decides your application is policy — the internal rules about how recent a default can be, whether overtime counts as income, how casual employment is treated, what minimum time in a job is acceptable.
Two lenders advertising nearly identical rates can have completely different answers on the same application. One declines you flatly; the other approves without hesitation. You cannot see this from the outside. It is the single most valuable thing a broker knows.
How we are paid
The lender pays us a commission when a loan settles. You pay us nothing at any stage. The commission structure is disclosed in writing in our Credit Guide before you commit, and the actual amount is disclosed again before settlement.
Because different lenders pay different commissions, there is an obvious conflict of interest. Australian law addresses this with a best interests duty: when providing credit assistance for consumer loans we must act in your interests and put them ahead of ours. It is a legal obligation, not a marketing promise, and it is enforceable by ASIC.
To be considered you need to be 18 or over, an Australian citizen or permanent resident, currently working, and earning at least $30,000 a year before tax.
Past credit problems are not a barrier. Defaults, arrears and a low credit score are all things our lenders see every day. What matters is your income now, not the worst month you have had. If you are between jobs or your only income is a Centrelink payment, our panel cannot help — and we would rather tell you that up front than put an enquiry on your credit file that goes nowhere.
Common questions
Before you apply
Does enquiring hurt my credit score?
No. Telling us your situation is not a credit application and no enquiry is recorded anywhere. A credit enquiry only happens if you ask us to formally lodge with a lender, and we confirm that with you first.
How quickly will I hear back?
The same business day for enquiries received during business hours. If you send yours in the evening or on a weekend, you will have an answer the next business morning.
What if I have a default listed?
Tell us. It changes which lenders we approach and it affects your rate, but for most employed applicants it does not rule out approval. What we cannot work around is an absence of income.
Do you charge anything?
No. Not for the enquiry, not for the application, not on settlement. We are paid by the lender.
Can I apply if I just started a new job?
Often, yes. Some lenders want six months in your current role; others accept applicants inside a probation period, particularly where the role is in the same industry as the previous one. This is exactly the kind of policy difference that is worth knowing before you apply.
See what you qualify for
Two minutes, no documents, and no impact on your credit score. We reply the same business day.