Hobart Loans · For Finance Fanatics
Independent, plain-English guides to loans and credit for Tasmanians — plus free calculators and a no-obligation loan-readiness review. We're not a lender, so our only job is to help you understand your options.
Six no-cost, no-obligation services to help you understand options, organise documents and plan before you talk to a licensed lender or broker.
Free, no-obligation help to understand business finance options, organise your documents and, if you choose, meet a licensed broker or lender.
A free, no-obligation check of your deposit, budget and paperwork so you're prepared before talking to a licensed lender or broker.
Free, no-obligation help to compare personal loan types, fees and terms so you understand the true cost before you apply.
Free, no-obligation guidance on car loans, chattel mortgages and leases, including balloon payments, so you can finance vehicles and equipment wisely.
Free, no-obligation help to list your debts, compare total costs and build a realistic plan before deciding whether consolidating makes sense.
Free, no-obligation guidance on bridging and short-term finance, including peak debt, end debt and sale risks, before you buy first.
Use the contact form to share what you want to finance and roughly how much. No documents and no credit check.
You get a plain-English rundown of the loan types that usually fit, what lenders look at and the questions to ask.
Work through a document checklist and use our calculators to test repayments against your budget.
Apply on your own, or ask us to refer you to an Australian Credit Licence holder. Any referral fee is disclosed first.
Why Hobart Loans
Hobart Loans isn't a lender and doesn't hold a credit licence. We publish general information and help you prepare. If you ask for a referral, it goes to a licensed broker or lender and we tell you about any fee first.
Our guides are checked against primary sources — legislation, ASIC's Moneysmart, APRA, the RBA and the ATO — and dated so you know how current they are. See our editorial policy.
From seasonal cash flow in tourism businesses to buying and selling in the Hobart property market, we write with local borrowers in mind.
Fonts, scripts and icons are hosted on our own site, there are no advertising trackers, and your saved articles stay in your browser. Read the privacy policy.
Questions
The questions readers ask us most. There are 38 more answers on the FAQ page.
Browse all FAQsHobart Loans is an independent personal and business finance publication based in Hobart, Tasmania. We publish plain-English guides on loans, credit and business finance, and offer a free loan-readiness review that helps people understand their options, organise documents and prepare before they apply. You can read more on our About us page.
No. Hobart Loans is not a lender and does not hold an Australian Credit Licence, so we do not lend money, arrange loans, recommend specific credit products or provide credit assistance. Where a reader wants to apply for credit, we may refer them to an Australian Credit Licence holder, such as a broker or lender, who can assess their situation.
Yes. There is no charge to you for a loan-readiness review or for reading anything on the site. The review is about helping you understand where you stand, which documents lenders typically ask for and what questions to raise, so you go into any application better prepared. See our services page for what each review covers.
We fund the site through advertising and sponsorship, and in some cases through referral fees paid by a licensed broker or lender when we refer a reader to them. We aim to clearly label advertising and sponsored content. Any referral fee is disclosed to you before a referral is made, so you can decide whether to go ahead.
Yes. Before we refer you to any broker or lender, we tell you who the referral is to and whether we will receive a fee for it. You are free to decline the referral or to approach any other lender or broker yourself.
No. Using our guides, calculators or a loan-readiness review does not commit you to applying for a loan, accepting a referral or dealing with anyone we mention. You can stop at any time.
Tell us what you're planning. We'll reply within one business day — free and with no obligation.
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