Rewarding your loyalty

As a loans.com.au customer we'll reward you with
$450 for each new customer with a settled home loan that you refer to us.*

How it works


Earn $450 for each home loan

When a home loan you've referred settles, you get $450 straight into your account. There is no limit on how many times you can refer a friend and get rewarded!

Also, your friend who applies and settles a home loan, using your Smart Friends code, gets $150 refund off their settlement fee. All they have to do is call us and quote your code when they make an application.

Everybody wins!

Get your Smart Friends referral code

Once your loan application is submitted, you will gain access to our powerful online loan application portal, onTrack. In onTrack you can attach all required loan documents, track the progress of your loan, and on completion you will be provided with your unique Smart Friends referral code.

Already migrated to Online Services?

After settlement of your loan, your onTrack access is no longer required as you will be able to use Online Services, our system which allows you to monitor, make transactions and access any linked accounts in relation to your loan. 

If you have migrated to Online Services, simply call one of our customer service team members who will be happy to assist and retrieve your Smart Friends referral code.

Share your Smart Friends code with friends

Share your referral code with friends via email or facebook and tell them about our great rates, low fees and speedy, hassle free application process.

Terms & Conditions:

  1. You must be a current loans.com.au customer to be eligible to refer your friends and family.

  2. Your friend must (i) be a new customer of loans.com.au (ii) start an online application and tell a lender your Smart Friends Code (iii) settle a new loan with loans.com.au.

  3. *The referral payment is $450 for each new customer referred and who settles a new loan or loans with loans.com.au. Note a new customer loan application with multiple borrowers and/or multiple loans is eligible for one referral payment.

  4. You will receive a notification when a referral payment is to be made to you. The referral payment will be paid to your loan account.

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 125 reviews.
As rated by our settled customers

Great customer service and interest rate
Very helpful customer service team, good interest rate and everything.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Wang J. - Hallam, VIC
November 22 2016

Easier loan process
Thank you for being so helpful and responsive. In my experience, the way you handle the first stage of the loan process by going through the application form with the applicant on the phone makes it easier and less daunting. That and the low interest rate won me over as your customer.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Elena K. - Eaglemont, VIC
November 21 2016

x-smallsmallmediumlarge