1300 361 360

How we work to get your best personalised rate.

360 Finance have been providing low rate finance solutions for customers since 2007.  Our aim is to always find our customers a finance solution that provides the ‘lowest total cost of loan’ that suits their needs, budget and asset type.

AN OVERVIEW OF HOW WE GET YOUR BEST RATE:

A dedicated Finance Specialist on your side

360 Finance has over 40 Finance Specialists and 20 Customer Support staff that work for YOU – not our lenders or the banks.

When you make an enquiry with 360 Finance, we first gather all the essential information about your finance needs, budget and personal circumstances.

Once we have this information, you will be looked after by your own dedicated Finance Specialist throughout the loan process right through to settlement.

If you are looking to finance a specialised asset (such as commercial loans, vintage cars, caravans, horse floats or industrial equipment etc.) we will ensure to select one of our asset specific Finance Specialists who understand the nuances of financing that particular asset type and the lender most suited.

We find your personalised rate

Your Finance Specialist does all the running around for you to compare rates and lending criteria from over 20 leading Australian bank and non-bank lenders. This saves you time, ‘comparison confusion’ and money if you were to seek this information yourself.

Asset finance is largely a ‘risk-based lending system’, meaning that the rate offered by lenders to our customers is based on the lending profile and assets of each individual applicant. As each customer is different, the interest rate offered by our lenders is also likely to be different.

The role of our Finance Specialists is to understand your individual circumstances and budget. They then use their expert knowledge of asset finance and lender criteria to find the finance options most appropriate to your lending profile and financial needs. Once this is established, they will find a lender who will offer the lowest rate and give you the best chance of approval.

We help you get approved

Once we have found the best solutions for you, we arrange and guide you through the loan application process, documentation and fees and charges.

The application is then submitted to the lender on your behalf for approval. Our Finance Specialists combine their in-depth knowledge of each lender’s loan approval process and their strong relationship with these lenders to help get your loan approved as soon as possible.

At this stage, your Finance Specialist will also discuss insurance and warranty options we have available at reduced premiums to provide protection for yourself or your asset.

You get your loan!

Once the documents have been submitted to the preferred lender, your Finance Specialist will work closely with the lender to get your loan settled ASAP and keep you informed every step of the way. Once approval has been received, you will be notified via email and contacted by your Finance Specialist – then you can pick your new asset!

VALUE ADDED SERVICES

We want our customers to return to 360 Finance for our rates and service. We offer the following value added services at no extra cost:

  1. Find & Finance Car Finder Service
  2. Refer a Friend program
  3. Yearly insurance premiums at up to 20% off
  4. $360 ‘Life Upgraded’ competition
  5. Fleet discounts
  6. Complimentary Financial Planning Consultation (ask how)
How our rates compare
We access some of the industry's lowest rates and will always get you your best rate finance.

How our rates compare

We will always get you the best rate
360 Finance
4.65%*
Westpac
9.67%*
St George
9.6%*
CBA
8.05%*
BOQ
8.19%*
Suncorp
6.09%*
RACQ
6.44%*
CUA
7.16%*
* The comparison rate helps you work out the total cost of a loan (including fees and charges) and to compare different loans. Data current as of 01/07/2020. Click to view data sources. Chart for illustrative purposes only. For further information on comparison rates, speak to one of our Finance Specialists.

Our customers & people


Hello
"Excellent service. Ian from 360 Finance was great to deal with and we were kept in the loop at all times. No problem recommending 360 to anyone."
Gary M, Brogo, NSW
Hello
"One word - Excellence! Big thanks to Leanne for her outstanding effort in helping me get my new car. She went out of her way to answer all my silly questions in easy Laymens terms!"
Warren H, Queensland
Hello
"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
Hello
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
Hello
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
Hello
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
Hello
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
Hello
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
Hello
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
Hello
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
Hello
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
Hello
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
Hello
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

Useful articles

Some of our lenders: