Your current loan should earn its keep.
If your rate hasn't been reviewed since you signed, there's a fair chance the panel can beat it. We compare your existing loan against 50+ lenders and only recommend switching if you genuinely come out ahead.
Beat your current rate
We benchmark your existing loan against the whole panel — if we can't do better, we'll tell you.
Lower repayments or a shorter term
Use the saving to reduce your monthly repayment, or keep repayments the same and finish sooner.
Consolidate multiple debts
Roll several loans or cards into one repayment where it puts you in a better position.
Common refinance situations
- Car loan rate reviews
- Personal loan refinancing
- Balloon payments coming due
- Debt consolidation
- End-of-term options
- Loans signed at dealership rates
Common questions
Are there fees to exit my current loan?
Sometimes — early-exit or discharge fees vary by lender. We factor them into the comparison so you only switch if you're genuinely ahead after all costs.
Will refinancing affect my credit score?
A formal refinance application involves a credit check. We'll time it with you so applications only go in when you've decided to proceed.
How much could I save?
It depends on your current rate, balance and remaining term. We'll show you a side-by-side of your existing loan versus the panel's best offer.
My balloon payment is due soon — can you help?
Yes, this is one of the most common refinance situations. We can compare options to refinance the balloon before it falls due.
What comparison looks like.
Two minutes to find out if you're overpaying.
Free, no-obligation rate check — a broker responds within one business day.
Check My Rate →