Best interest rates and offers available
Home loan
5.24%
Car loan
5.69%
Cashback
$3,000
We charge you
$0
Jason T., Melbourne
“I applied during my lunch break and got pre-approved the same day. The process was so smooth and the team really knew their stuff. I ended up with a better rate than the dealership offered."
Amanda R., Sydney
I refinanced through Nik Finance and saved over $500 a month on my mortgage. Wish I’d done it sooner. The whole process was quick, easy, and digital.
Priya M., Dandenong
Nik Finance got me approved for a car loan when the banks said no. They found a lender that understood my situation, and I’m now driving the car I wanted.
A bunch of our financial partners
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Your Trusted Partner for Financial Success
At NIK FINANCE, we are dedicated to providing tailored financial services to help you achieve your goals. With a focus on Ai trained , we empower our clients to make informed financial decisions and secure their future.
Instant Loan Match
Our Ai model analytics is designed to optimise your financial strategies and maximise growth potential.
Versatile Financial Solutions
We offer a wide range of financial solutions to cater to diverse needs. Whether it's home loans, car loans, or business loans, our versatile approach ensures that you find the perfect fit for your financial requirements.
Accelerating Financial Prosperity
Experience the acceleration of your financial prosperity with NIK FINANCE. Our data-driven approach and expertise in financial science enable us to deliver innovative solutions that drive sustainable growth for our clients.
Enhanced Financial Experience
We prioritise delivering a seamless and enhanced financial experience to our clients. Our commitment to excellence and customer satisfaction sets us apart as a trusted partner in your financial journey.
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What does a finance broker like NIK do?As a trusted loan advisor, Nik Finance connects you with the best financing options. We compare lenders to find tailored, competitive solutions, saving you time and money. Our fast, personalised finance solutions make achieving your goals easy.
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How fast can NIK secure financing for me?Nik Finance is all about speed and efficiency. Our Ai model and finance broker team streamlines the process, comparing lenders to secure approvals in minutes. We tailor solutions to your needs, ensuring a fast, smooth experience.
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How does Nik Finance’s loan comparison work?Our loan comparison AI model shops around multiple lenders to find you the best rates and terms. As experienced brokers, we simplify the process, offering personalised finance solutions that match your goals.
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Is using a finance broker like Nik Finance free?Absolutely! Nik Finance’s mortgage broker services are free, as we’re paid by lenders, not you.
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Can I apply online?Yes! You can start your application online in just a few minutes. A finance specialist will contact you.
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Can I get pre-approved for a car loan?Yes, pre-approval helps you know your budget and negotiate better with dealers or private sellers.
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Do you finance used cars?Absolutely. We can finance both new and used vehicles from dealerships or private sellers.
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I’m self-employed, can I still get a car loan?Yes, we offer low-doc and ABN car loans tailored for sole traders and small businesses.
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What’s the minimum deposit required?Some lenders offer 0% deposit options. We’ll help find what’s best for your situation.
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Can I refinance my current car loan?Yes! Refinancing can help you lower your repayments or pay off your loan faster.
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How do I know which home loan is right for me?We compare options from over 50 lenders based on your income, goals, and property type. Whether you're a first-home buyer, upgrader, or investor, we tailor the right solution for you.
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What costs are involved in getting a home loan?Besides your deposit, you may need to cover stamp duty, legal fees, lender fees, and potentially LMI (Lenders Mortgage Insurance). We break down all the costs upfront so there are no surprises.
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Can I refinance my current home loan to save money?Absolutely. We offer free refinance reviews to help you lower your rate, reduce repayments, or access equity for renovations or investments.
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Can I get a home loan with a small deposit?Yes, some lenders accept deposits as low as 2%. We also help with low-deposit solutions like guarantor loans and First Home Guarantee support.
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What’s the difference between a fixed and variable interest rate?A fixed rate stays the same for a set period, giving you repayment certainty. A variable rate can change but often offers more flexibility, like offset accounts and redraw facilities.