for a new home loan customer
Introduce someone to loans.com.au and we'll give you a huge $1,000 bonus when they settle their home loan with us! Your friend will also receive $1,000 and get the reward of being with loans.com.au.
for a new car loan customer
Introduce someone to loans.com.au and we'll give you a huge $250 bonus when they settle their car loan with us! They will also get $150 off their settlement fee.
Get My Referral Code
Sign in to OnTrack or Smart Money to view your referral code.
When do I get my Smart Friends referral code?
Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
Speak to a specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.
Upload documents (OnTrack)
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
Settle & save
Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!
Receive referral code (Ontrack)
When your loan settles, you will be given your referral code in onTrack. 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.
Frequently asked questions
When your friend applies online or via the phone they need to mention to your lending specialist of your friends smart friends referral code. This will then get recorded on your file and will stay on your file until settlement.
Once you settle under the Smart Friends tab your smart friends referral code will appear there.
Your smart friends referral code is under the offers section, Smart Friends and your code will appear there.
Once you settle your within 30 days the $1000 will appear in your loan account.
No, you can refer as many friends and family as you want.
Terms & condition
Chat to one of our experts
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get in your next home or car sooner, or simply to get a better loan and start savings thousands.Let's talk
Ready to Start Saving?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.