Loanseekers refinance

Make your repayments work harder

Already have finance? Loanseekers can help you explore whether another loan structure could suit you better. Fast online enquiry, no obligation.

10+ years of experience
Access to 70+ lenders
No obligation to proceed
Initial enquiry does not affect your credit score

Initial enquiry does not affect your credit score.

Loanseekers refinance

One enquiry. Checked against the Loanseekers 70+ lender panel.

70+

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obligation

Refinance basics

What refinancing means

Refinancing may reduce repayments, change your loan term, update your lender or restructure your finance. Whether it is suitable depends on your current loan, fees, rate, payout amount and personal circumstances.

Lower repayments

Restructuring your loan term or rate may change the size of your repayments.

Change lender

Moving to a different lender may suit your profile or asset better.

Consolidate

Some refinances combine multiple debts into a single loan structure.

Exit fees

Your existing loan may have payout or break fees. We help you weigh these against any benefits.

Establishment fees

New loans typically include establishment and admin fees, which vary by lender.

Approval not guaranteed

Refinance approval depends on lender criteria and personal circumstances.

Calculator

Estimate refinance repayments

Asset type

Purpose

Loan amount: $35,000Move the slider or type a value

Deposit: $0

Term: 5 years

Rate: 8.99%

Balloon: 0%

Estimated repayment

$167.24/ weekly

Financed amount: $35,000
Total interest est.: $8,483
Total repayable est.: $43,483

Compare two finance quotes

Your actual rate depends on lender assessment, your profile, the asset, loan amount and supporting documents.

This calculator is a guide only and is based on the information entered. It does not constitute loan approval, a credit quote, financial advice or a recommendation. Actual rates, fees, repayments and approval outcomes depend on lender assessment, your personal circumstances, loan structure and supporting documents.

FAQ

Refinance questions

Not always. Refinancing may reduce repayments, change your loan term, update your lender or restructure your finance. Whether it is suitable depends on your current loan, fees, rate, payout amount and personal circumstances.

There may be exit fees on your existing loan and establishment fees on the new loan. We help you weigh these against any potential benefits.

Submitting an initial enquiry or using our calculator does not affect your credit score. If a formal credit application is required, a specialist will explain the next step before proceeding.

No. Loanseekers provides finance brokerage and credit assistance. Loan approval, rates, fees and loan contracts are provided by the lender.

We can assist with car finance, boat finance, caravan finance, personal loans, refinance, motorcycle finance, equipment finance and general asset finance.

Yes, different lenders assess self-employed and ABN applicants differently. We can help explore available options based on your situation.

Buying rather than refinancing? Compare car loan options

Guides

Read up before you apply

Plain-English explainers on how this finance works. General information only.

GuidesRefinancing guide: when switching your loan pays offDCDeren Celik·28 Jul 2026

MoneyHousehold spending rose 0.6% in September 2026: refresh your car budget before you applyDDDavut Dogu·6 Nov 2026

GuidesUpgrading a financed work vehicle with positive equityBCBrandon Cutajar·5 Nov 2026

Lender reviews

Explore lender reviews

Read about rates, fees and lending criteria before making an enquiry. These are selected reviews, not a ranking or recommendation. General information only.

Start with one finance check

One enquiry gives you access to an expert-supported process and lender options through Loanseekers. No obligation to proceed.

No obligation. Your initial enquiry does not affect your credit score.

Make your repayments work harder