Step 01
Decide if finance or novated leasing suits you.
Finance or Novated Lease?
Learn about the differences and benefits of each option available to you!
Step 02
Get pre-approval with the right team.
Get Pre-Approved
Get pre-approved so you can shop with confidence for your next vehicle today!
Step 03
Drive away with confidence!
Drive Away
Great news! Our team have secured you a deal and you can now drive away with confidence!
Personal Loans
At lendlab, we specialise in making personal loans accessible and straightforward.
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Easy to Access: Flexible loan options tailored to your needs.
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Quick Quote: Get a quote in just 60 seconds.
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Fast Application: Apply in only 10 minutes.
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Speedy Approvals: Decisions made within 24 hours.
Novated Leaseing
Novated Leasing is a form of salary sacrifice where you can pay for your car and on-road running costs using pre-tax income.
Decide if finance or novated leasing suits you.
Novated Leasing
Pay for your car and costs (fuel, maintenance) with pre-tax income.
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A salary sacrifice option to pay for your car and running costs (like fuel and maintenance) using pre-tax income.
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Your employer deducts lease costs from your pay before tax is calculated, reducing your taxable income.
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Can be a more complex approach – you’ll need to be paying yourself a wage to qualify and your employer must be happy to sign you up . If your current employer has an ‘exclusive’ arrangement already, you may not be able to change.
Learn more about Novated Leasing here.
Car Loans
At lendlab, we specialise in making personal loans accessible and straightforward.
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Easy to access and flexible loan options tailored to your needs.
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Get a quote in just 60 seconds.
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Fast applications in only 5 minutes.
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Speedy approvals and decisions made within 24 hours.
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Have a choice of what car you can buy, we can even finance private seller purchases.
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Full ownership, no need to worry about what happens if you leave your employer.
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Less complex way of financing your car.
Learn more abount Car Loans here
Finance or Novated Lease?
The Broker Experience
Exclusive access for leaselab clients
Experience priority service and personalised quotes tailored to your requirements. Your outcome matters to us!
Access to a panel of 40+ lenders
Increase your choice of options by being compared to 40+ lenders. We find the most suitable loan for your individual credit profile.
Live Chat Expert Credit Analyst Support
At lendlab, we've simplified the loan application process. You can begin by getting a quote in 60 seconds.
Soft Credit Checks with No Impact
At lendlab, we compare your options on your behalf under a soft credit check, meaning no impact to your score.
4 Step Simple Process
Get your rate quote
Get your free personalised rate quote in 60 seconds through our online portal form.
Complete application
Once you receive your quote, login in, lock it in and complete your full application.
Upload documents
Through our secure portal, upload all relevant documentation for your Credit Analyst.
Get approved
Great news! Once you've selected your loan option, we offer 24 hour settlements.
Capacity
Discover your borrowing capacity with our Free Quote in 60 seconds. Borrow upto
Interest Rate
Competitive and personalised interest rates to suit your profile.
Terms & No Exit Fees
Your loan, on your terms. Explore our flexible 3-7 Year loan terms.
Quick Approvals
Apply with confidence with our 24 Hour approval times. Loans with piece of mind. Experience $0 Exit Fees.
Discover the Perfect Car Loan
Our Partners
At lendlab, we specialise in making personal loans accessible and straightforward. With our flexible options, we make it easy for you to find the right solution without the hassle.
Need a quote? Our process takes just 60 seconds, and applying is a breeze—only 5 minutes of your time is needed!
Plus, our 24-hour approvals mean you won’t have to wait long for the support you need. Let us help you take the next step towards your financial goals today.
If you are interested in exploring other options such as Leasing, we have partnered with Leaselab to create a seamless all-in-one experience for you to decide which option suits you best!
Our Portal
Exclusive Client Portal Login: As a Clever Client you will be able to access your options, compare the best loan and be approved within one tab.
Online Loan Repayment Calculators: Need a quote? Our process takes just 60 seconds, and applying is a breeze—only 5 minutes of your time is needed!
Personal, Car and Commercial Loans: lendlab offers Personal Loan, Car Loan and Commercial Loan options with flexible terms, low interest and 24 hour approvals.
Free Credit Score Check and a access to a Clever Credit Webinar to improve your Finance Knowledge.
Live Analyst Chat Support.
Connect with our Credit Analysts
Meet our team of Expert Credit Analysts based in Melbourne, Australia. Together, our team was named "Best Broker Business FY 2025", awarded by the COG, NFC, UFS Aggregators.
Michelle
Managing Director
With over 20 Years of Asset Finance Broking Experience, Founding Managing Director, Michelle, proudly operates a brokerage with competitive and innovative loan options.
Hailey
Senior Credit Analyst
With over 4 Years of Experience as a Senior Credit Analyst, Hailey has established herself as a Lead Analyst, providing support and implementing a unique framework to successfully achieve outcomes.
Nikita
Credit Analyst
Recognised as the "Rising Star" of 2025 by the COG, NFC, UFS Aggregators, Nikita has 3 Years of Experience as a Credit Analyst, continuously seeking to achieve successful outcomes for her clients.
Christina
Credit Analyst
With over 10 Years of Asset Finance Broking Experience, Christina's career is dedicated to supporting her clients through the application process, strengthening their knowledge and seeking successful outcomes.
Clever Cars
Frequently Asked Questions
A car loan can be a great option for an individual that is not applicable for novated leasing. Your employer may not offer or be willing to offer novated leasing, so applying for finance through a broker is your next best option.
Secured personal loans require collateral, often offering lower interest rates
Unsecured personal loans do not require collateral but may have slightly higher interest rates due to increased lender risk.Loan amounts typically range on average from $10,000 to $150.000, depending on factors such as income, credit history, and whether the loan is secured or unsecured. Get your free quote in 60 seconds.
With lendlab’s advanced technology, approval for a car loan can be as fast as 24-48 hours, ensuring you get the funds when you need them.
Yes! Refinancing a loan allows you to replace an existing loan with a new one that has better terms, such as a lower interest rate or a longer repayment period.
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Start by heading to the lendlab get a rate form
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Provide comprehensive information about your loan requirements
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Fill in all required financial background information
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We’ll get back to you promptly with a quote for your car loan
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Make a decision
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Requesting a loan quote with lendlab does not impact your credit score. We perform a soft check to provide tailored loan options. A hard check will only occur when submitting to a lender, and you’ll be notified beforehand.