Save time and protect your credit score. Let us find you the best deal on a personal loan or car loan.
We do the hard work to find you the best deal we can. Shopping around at multiple lenders takes a lot of time, and you could quietly lower your credit score by going from lender to lender.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you
What type of finance are you after?
Shopping around for finance with lenders directly can quietly hurt your credit score.
Let us save you the time and energy of shopping around. We find the best deal we can on your car loan or personal loan, so you don’t have to apply to lender after lender yourself.
The most important part, we protect your credit score while we do it. Every credit application could leave a hard inquiry on your file, and those inquiries are the single biggest factor in how your score is calculated with Australia’s biggest credit bureau, Equifax (which most lenders use). Do the rounds yourself and you can quietly drag your own credit score down.
Components of an Equifax Credit Score
Credit applications make up 40% of your score, more than any other single factor.
- Credit applicationsEach application could add a hard inquiry to your file 40%
- Your repayment historyWhether you pay on time 38%
- Adverse events 7%
- Personal information 6%
- Information on credit accounts 4%
- Commercial credit information 3%
- Address information 1%
- Length of credit history 1%
Source: Equifax, “What goes into a credit profile” (equifax.com.au · PDF). Information current as at 6 July 2026. This is a standard Equifax Credit Score model as per Equifax. The model may be subject to change.
How it works
Three simple steps. 100% online.
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1
Tell us about yourself~5 minutes
Answer a few questions about who you are, what you need and your situation. We’ll do an Access Seeker (soft) enquiry, which does not impact your credit score. We use this to work out who on our lender panel is likely to say yes and what terms they can offer before you submit a full application.
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2
We match you to the right lender
A real Noddle broker reviews your situation and recommends the best lenders for you. We tell you why, and what the loan will actually cost, with all fees, before you commit to anything. You choose the option that works best for you.
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3
Submit, settle, get on with your life
If you’re happy with the option we’ve found, we submit the application for you. Most decisions come back inside 24 hours. Once your loan is approved and the loan documents are signed, funds are usually available the same day, some lenders can settle sooner, and others take longer.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you
We're Real, We're Transparent, We're Direct
Normally, when you scroll this far down on a finance broker's homepage, you'll find a list of 60+ lenders they "work with", which usually isn't true. They normally only work with a handful. We work with a few lenders who lend to clients with excellent and very good credit scores, good and average credit scores, and below-average credit scores. In most cases, the bottom line is this: the rate you'll get, and the lender you end up with, depends on your credit score.
Equifax Credit Rating
Where you sit decides who'll lend, and at what rate.
Your rating reflects your level of risk compared to the Australian credit-active population held by Equifax. The higher the band, the more lenders compete for you and the sharper the rate.
Equifax credit score range (0–1200)
Source: Equifax, “What is a credit score” (equifax.com.au). Band ranges reflect the Equifax Credit Score scale (0–1200) and may be subject to change.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you
Why people choose Noddle.
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We're bloody good at what we do.
The team behind the scenes are consumer finance experts. We specialise in car loans and personal loans, we know them, and the lenders that offer this finance, inside and out.
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We help people from all walks of life.
From high-powered professionals to people just starting their career. We help people with excellent credit scores and average or bad ones. As long as you're employed, we'll work hard to find you the best deal.
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A real-person broker, enabled by technology.
We use tools and AI to make our team's life easier, and yours too, but we're real people. If you want to pick up the phone and call us, you can. If you want to do everything online, you can.
Free resource
The Ultimate Guide to Choosing a Personal Loan or Car Loan Finance Broker.
Choosing a finance broker is a big decision, it shapes the rate you get, the lender you end up with, and even your credit score. Before you commit, we reckon it’s worth doing your homework.
So we wrote the guide we’d want our own family to read. It’s free, with no strings attached, download it or read it online, and learn exactly what to look for, and what to avoid, before you choose a broker.
Common questions.
No. When you start with Noddle, we use an Access Seeker (soft) enquiry to understand your credit score and credit file. A soft enquiry like this does not leave a hard enquiry on your file and does not affect your credit score. We use it to review your situation and match you to a lender likely to approve you before any formal application goes in. A hard enquiry is only recorded once you choose to proceed with a specific lender, and we tell you before that happens.
When you apply to lenders directly, each one runs its own hard enquiry. Apply to several yourself while shopping around and you stack up multiple hard enquiries in a short window, which lenders can read as financial stress, even when you were only comparing. Noddle works differently. We start with an Access Seeker (soft) enquiry, which lets us see your credit file without leaving a mark on it, then do the comparison work and only submit a formal application to a lender we’ve assessed as a strong fit. That avoids the scattergun effect of applying lender by lender, so you’re not collecting hard enquiries or knock-backs on your file. That’s the practical credit-score benefit of using a broker.
Yes. Different lenders look at different things. A decline from one lender often means very little to another. Our job is to know which lenders are likely to say yes to your situation before you waste time applying.
We’re a broker, we don’t lend money ourselves. We work with a select panel of lenders, chosen to cover everything from excellent and very good credit through to below-average credit, and we match you to the one most likely to approve you at a competitive rate. Noddle may charge a brokerage fee for arranging your loan, and may also receive a commission from the lender. The brokerage fee can be paid upfront or capitalised into your loan. All fees and commissions are disclosed in our Credit quote before you proceed.
Most pre-qualifications take a few minutes. A full assessment with a Noddle broker happens the same or next business day. Lender decisions usually come back inside 24 hours. Once your loan is approved and the loan documents are signed, funds are usually available the same day, some lenders can settle sooner, and others take longer.
Self-employed income, recent credit events, multiple jobs, irregular pay, these are exactly the situations the big banks struggle with and our broker panel is built for. Tell us the full story and we’ll tell you straight whether we can help.
The rate and fees depend on your situation and the lender, we’ll always show you the full cost (rate, fees, total repayable) before you commit to anything. Noddle may charge a brokerage fee for arranging your loan, and may also receive a commission from the lender. The brokerage fee can be paid upfront or capitalised into your loan. All fees and commissions are disclosed in our Credit quote before you proceed.
Five minutes to find out where you stand.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you