Now offering lower rates for 2026
Finally, a Loan That Gives Back.
Finally, a Loan
That Gives Back.
Most banks charge you a loyalty tax, penalizing long-term customers with outdated rates and hidden fees. We do the opposite by automatically reviewing your profile for rate reductions. With us, the longer you stay, the more you save.
Most banks charge you a loyalty tax, penalizing long term customers with outdated rates and hidden fees. We do the opposite by automatically reviewing your profile for rate reductions. With us, the longer you stay, the more you save.
Most banks charge you a loyalty tax, penalizing long term customers with outdated rates and hidden fees. We do the opposite by automatically reviewing your profile for rate reductions. With us, the longer you stay, the more you save.
We have the best partners redefining the private wealth management experience
We have the best partners redefining the private wealth management experience
Interest That Shrinks
Interest That Shrinks
Interest That Shrinks
5%
Loaner Rate
For new loans, up to 80% LVR.
Including 0.2% p.a. loyalty discount in 1 year.
5%
Other Loan Companies
1 year
30 year
5%
Loaner Rate
For new loans, up to 80% LVR.
Including 0.2% p.a. loyalty discount in 1 year.
5%
Other Loan Companies
1 year
30 year
5%
Loaner Rate
For new loans, up to 80% LVR.
Including 0.2% p.a. loyalty discount in 1 year.
5%
Other Loan Companies
1 year
30 year
Apply in Minutes
Apply in Minutes
Apply in Minutes
How it works
How it works
Built for everyone
Built for everyone
Built for everyone
Our process works quietly in the background to handle the heavy lifting, giving you the clarity to move forward with absolute confidence
Our process works quietly in the background to handle the heavy lifting, giving you the clarity to move forward with absolute confidence
Transferring
Loan request
Loan received
Approved in 3 Minutes.
No physical paperwork, no awkward bank meetings, just a streamlined digital path to the capital you need.
Transferring
Loan request
Loan received
Approved in 3 Minutes.
No physical paperwork, no awkward bank meetings, just a streamlined digital path to the capital you need.
Transferring
Loan request
Loan received
Approved in 3 Minutes.
No physical paperwork, just a streamlined digital path to the capital you need.
Soft Touch Check
Browse rates with zero impact on your credit score.
Soft Touch Check
Browse rates with zero impact on your credit score.
No Collateral
We qualify you based on your financial health and potential.
No Collateral
We qualify you based on your financial health and potential.
Soft Touch Check.
Browse rates with zero impact on your credit score.
No Collateral
We qualify you based on your financial health and potential.
Apply in Minutes
Apply in Minutes
Explore Our Benefits
Explore Our Benefits
Your Equity. Your Terms
Complete transparency is our only default setting. Make unlimited extra repayments, redraw funds instantly, and exit whenever you want. No penalties, just pure financial fluidly.
Your Equity. Your Terms
Complete transparency is our only default setting. Make unlimited extra repayments, redraw funds instantly, and exit whenever you want. No penalties, just pure financial fluidly.
Why Loaner?
Why Loaner?
Technology that understands your journey
Technology that understands your journey
Technology that understands your journey
Our platform bridges the gap between sophisticated financial engineering and your personal goals.
Our platform bridges the gap between sophisticated financial engineering and your personal goals.
Zero-Knowledge Security.
Every 12 months, your loyalty is quantified. We trim your interest rate for the life of the loan.
Quick Application
Access your balance instantly with zero transfer fees.
Zero Waiting Room
Funds in your account as soon as today.
Quick Application
Access your loans instantly with zero transfer fees, no hiccups.
Quick Application
Access your loans instantly with zero transfer fees, no hiccups.
Zero Waiting Room
Funds in your account as soon as today.
Zero Waiting Room
Funds in your account as soon as today.
Apply for Loan
Apply for Loan
Apply for Loan
Zero-Knowledge Security
Every 12 months, your loyalty is quantified. We trim your interest rate for the life of the loan.
Zero-Knowledge Security
Every 12 months, your loyalty is quantified. We trim your interest rate for the life of the loan.
Testimonials
Testimonials
Backed by Numbers, Defined by People.
Backed by Numbers, Defined by People.
Backed by Numbers, Defined by People.
Over $2B in home equity managed, supported by a community of borrowers who value transparency over tradition.
Over $2B in home equity managed, supported by a community of borrowers who value transparency over tradition.
I expected another banking headache. Loaner is the first time I’ve felt like my bank is actually on my side.
Julian V.
Homeowner since 2024
I expected another banking headache. Loaner is the first time I’ve felt like my bank is actually on my side.
Julian V.
Homeowner since 2024
I expected another banking headache. Loaner is the first time I’ve felt like my bank is actually on my side.
Julian V.
Homeowner since 2024
I expected another banking headache. Loaner is the first time I’ve felt like my bank is actually on my side.
Julian V.
Homeowner since 2024
Between the lack of fees and the annual loyalty discount, the math on Loaner was undeniable.
Marcus K.
Realtor
Between the lack of fees and the annual loyalty discount, the math on Loaner was undeniable.
Marcus K.
Realtor
As a founder, my time is my most expensive asset. Loaner felt like a software upgrade.
Elena S.
CEO & Homeowner
As a founder, my time is my most expensive asset. Loaner felt like a software upgrade.
Elena S.
CEO & Homeowner
Between the lack of fees and the annual loyalty discount, the math on Loaner was undeniable.
Marcus K.
Realtor
Between the lack of fees and the annual loyalty discount, the math on Loaner was undeniable.
Marcus K.
Realtor
As a founder, my time is my most expensive asset. Loaner felt like a software upgrade.
Elena S
CEO & Homeowner
As a founder, my time is my most expensive asset. Loaner felt like a software upgrade.
Elena S
CEO & Homeowner
Become One of Us
Become One of Us
Become One of Us
Want to know more about us?
Want to know more about us?
FAQ
FAQ
FAQ
We are committed to providing you with a comprehensive understanding of our fiscal processes and security standards.
We are committed to providing you with a comprehensive understanding of our fiscal processes and security standards.
Who is eligible to apply for a loan?
You must be at least 18 years of age (or the legal age of majority in your jurisdiction) and a legal resident or citizen with a valid government-issued ID.
Who is eligible to apply for a loan?
You must be at least 18 years of age (or the legal age of majority in your jurisdiction) and a legal resident or citizen with a valid government-issued ID.
Who is eligible to apply for a loan?
You must be at least 18 years of age (or the legal age of majority in your jurisdiction) and a legal resident or citizen with a valid government-issued ID.
What documents do I need?
What documents do I need?
What documents will I be needing?
Do I need collateral or a guarantor?
Do I need collateral or a guarantor?
Do I need collateral or a guarantor?
How long does approval take?
How long does approval take?
How long does approval take?
No impact on credit score
Check your personalized rates with a secure soft-pull that preserves your credit score. Explore your options with zero risk.
Apply for Loan
Contact Us
Loaner.
Loans
Refinance
Eligibility
Features
How to Apply
Support
Contact Us
FAQs
Important Info
Financial difficulty
Legal
Privacy Policy
Terms of Service
Links
Awards
Built by CommBank
Career
All applications are subject to credit approval, acceptable security, and minimum deposit requirements. Full terms and conditions will be outlined in your loan offer, if approved.
Comparison rates are calculated on a $150,000 secured loan over 25 years and may not reflect all fees or charges. Different loan terms or amounts may result in a different rate.
Rates shown include a loyalty discount of 0.01% p.a., with additional annual discounts of 0.01% up to a maximum of 0.30% p.a. Lender’s mortgage insurance and higher rates apply for loans with higher LVRs and may also apply depending on property type or location.
© 2026 Copyright Loaner. All rights reserved.
No impact on credit score
Check your personalized rates with a secure soft-pull that preserves your credit score. Explore your options with zero risk.
Apply for Loan
Contact Us
Loaner.
Loans
Refinance
Eligibility
Features
How to Apply
Support
Contact Us
FAQs
Important Info
Financial difficulty
Legal
Privacy Policy
Terms of Service
Links
Awards
Built by CommBank
Career
All applications are subject to credit approval, acceptable security, and minimum deposit requirements. Full terms and conditions will be outlined in your loan offer, if approved.
Comparison rates are calculated on a $150,000 secured loan over 25 years and may not reflect all fees or charges. Different loan terms or amounts may result in a different rate.
Rates shown include a loyalty discount of 0.01% p.a., with additional annual discounts of 0.01% up to a maximum of 0.30% p.a. Lender’s mortgage insurance and higher rates apply for loans with higher LVRs and may also apply depending on property type or location.
© 2026 Copyright Loaner. All rights reserved.
No impact on credit score
Check your personalized rates with a secure soft-pull that preserves your credit score. Explore your options with zero risk.
Apply for Loan
Contact Us
Loaner.
Loans
Refinance
Eligibility
Features
How to Apply
Support
Contact Us
FAQs
Important Info
Financial difficulty
Legal
Privacy Policy
Terms of Service
Links
Awards
Built by CommBank
Career
All applications are subject to credit approval, acceptable security, and minimum deposit requirements. Full terms and conditions will be outlined in your loan offer, if approved.
Comparison rates are calculated on a $150,000 secured loan over 25 years and may not reflect all fees or charges. Different loan terms or amounts may result in a different rate.
Rates shown include a loyalty discount of 0.01% p.a., with additional annual discounts of 0.01% up to a maximum of 0.30% p.a. Lender’s mortgage insurance and higher rates apply for loans with higher LVRs and may also apply depending on property type or location.
© 2026 Copyright Loaner. All rights reserved.