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Settle your home loan & claim your:

$450 bonus!

Introduce someone to loans.com.au and we'll give you a huge $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

Settle your car loan & claim your:

$250 bonus!

Introduce someone to loans.com.au and we'll give you a huge $250 bonus when they settle their loan with us! They will also get $150 off their establishment fee.

How to get your Smart Friends referral code

Once your loan application has been submitted, you will be given access to our online portal onTrack.

We will collect some more information from you and you can track your application.

When your loan settles, you will be given your referral code in onTrack.

Already migrated to Smart Money?

After settlement of your loan, you will be transferred from onTrack to Smart Money to manage your loan. If you have already migrated to Smart Money, you can access your referral code when logged in under the ‘Offers’ tab.

Our Process

loans.com.au makes borrowing simple so you can buy your next home online with confidence. Go from application to settlement in three easy steps. Here's how to lock in a super-low-rate home loan, super-fast.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.


Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

Settled your loan already? Get your code here.


Smart Money

If you are have a Smart Money account, you can get the code from here.



If you have already settled your loan, you will be able to see your referral code here.

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

  2. You will ineligible for the Smart Friends program if your loan account has received any other incentive or rewards offer.

  3. You can share your Smart Friends Code individually with your friends and family. Please note that the Smart Friends Code is not valid if broadcast or published on the internet or in social media.

  4. 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 home or car loan with loans.com.au.

  5. *The referral payment is $450 for home loans and $250 for car loans for each new customer referred who settles their first loan with loans.com.au. Your friend who settles their first home or car loan with loans.com.au will receive payment of $150 paid to their loan account. Note a new home or car loan customer application that has multiple borrowers and/or multiple loans is still eligible for only one referral payment.

  6. 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.

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....

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