Formation Finance

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AI Loans: Car, Equipment, Personal, Business Loans

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Three simple steps to apply for a loan:

1. Input

Input your information in our AI options tool and it will calculate and present you with the best options available!
Remember, the more information you provide, the more accurate your loan options will be.


2. Compare

Let our AI options tool do the work instantly! No waiting around!

With over 60 Lenders, our AI options tool will curate and personalise the best results based on your priorities.


3. Your Choice

Pick from the list and if you need further clarity, the platform can provide you with a granular level of detail to help find what you are looking for.


For a more personal touch our Customer Service Consultants are available to talk to you.


All lenders are unique and they all might seem like they offer the same product which is “personal loans” when in fact, each personal loan lender has its own requirements when it comes to lending. How are you supposed to know which one is best for you? You’re not, and that is where Formation Finance comes to save you from all this confusion! Our world-leading super smart AI backend can match you to the best lender in Australia in minutes! 

The amount you can borrow with a personal loan depends on a few factors, including your income and credit score. In general, most lenders will allow you to borrow up to $80,000 per borrower and some will allow you to borrow more than $100,000. It is also important to note that each lender has its own lending criteria which you will need to meet. Don’t stress, at Formation Finance our job is to match you to a lender that suits your application.