Named broker
RateSmart Finance
The Smarter Choice.
Compare consumer and business finance pathways across 40+ lenders with support from an experienced broker.
Australia-wide serviceAustralian owned & operated
- Purpose-led comparisonOptions shaped around your purpose, budget and circumstances.
- Clear first conversationUnderstand the likely pathway before deciding whether to proceed.
- 40+ trusted lendersConsumer and commercial options across a broad panel.
- Australia-wide supportStart online or call from anywhere in Australia.
Finance that fits
Our services
At RateSmart Finance, our brokers work for you — understanding your objectives and comparing suitable lenders so you get a clear, stress-free experience.
About us
Finance support across Australia.
RateSmart Finance is an Australian-owned finance broker, not a lender. We support consumers and businesses Australia-wide by phone and online, comparing suitable options across 40+ lenders. Our published physical office is in Melbourne. Authorised Credit Representative number 546466, with over 10 years of broker experience.
10+Years experience
40+Trusted lenders
ACL546549
The smarter choice
- Purpose-led comparison
- 10+ years experience
Lender panel
Our Trusted Lenders
Access to 40+ consumer and commercial lenders — we compare suitable options for your situation.
People, process and accountability
Know who you are dealing with.
RateSmart publishes the business identity, licensing references and comparison boundaries behind the website. These details can be checked independently before you start an enquiry.
Registered business
RateSmart Finance Pty Ltd
Published licence references
ACL 546549
ACR 546466
Office and contact
470 St Kilda Road, Melbourne VIC 3004
How options are compared
A lender panel creates choice; it does not mean every lender is considered or suitable for every request. The useful comparison starts with fit and ends with the complete offer.
- 01
Start with the customer job
The asset, purpose, timeframe and preferred ownership outcome come before a lender or product label.
- 02
Check fit before price
Eligibility, evidence, asset policy and structure are considered before comparing rates and repayments.
- 03
Compare the complete offer
Repayments, fees, conditions, flexibility and the end-of-term position should be reviewed together.
- 04
Keep decisions with the right party
RateSmart is a broker, not a lender. Approval, pricing and final terms remain subject to lender assessment.
Your next steps
A clear path from enquiry to settlement.
A broker stays with you from the initial request through lender discussions, documentation and settlement.
- Enquire
Start online or call
Begin with a guided finance enquiry or phone 03 8905 3731. Share what you need to finance and when.
- Prepare
Confirm the useful details
A broker discusses the purpose, circumstances and documents that may be relevant before any lender approach.
- Compare
Compare suitable pathways
Where options are available, compare repayment, fees, conditions and the end position—not only a headline rate.
- Proceed
Proceed with a clear decision
If you choose to continue, RateSmart helps organise lender documents and settlement. Approval remains with the lender.
“Helping me through the process of purchasing my new car.”
“Anyone looking for car finance… reach out to Kevin.”
“Amazing experience from start to finish.”
Short excerpts from public Google reviews. Rating checked 22 July 2026.