Why settle for your bank's one option? We compare 30+ lenders to find rates you didn't know existed.
Based on $40k loan, 5 year term, 2% rate difference
See what you're missing in 60 seconds
Banks give you ONE option. We unlock access to rates from 30+ lenders—including ones you've never heard of.
Locked into their rates
Hidden cost: On a $40k loan over 5 years, a 2% higher rate costs you $4,800+ extra
Access to the whole market
Your savings: We find the lowest rate for YOUR situation—often saving thousands over your loan term
We compare rates from lenders including:
Most people don't realise how much they're overpaying until it's too late.
Dealers earn commissions by offering higher rates than available elsewhere
Your bank gives the same rates to everyone—loyalty means nothing
Application fees, monthly fees, early exit fees—they add up fast
We show you comparison rates with ALL fees included—no surprises
Lenders give brokers rates not available to the public—we pass them to you
No bias toward any lender—we find what's genuinely best for your situation
Lenders pay us—you get expert service and better rates for free
No complicated forms. No wasting time at banks. Just better rates, faster.
Tell us what you need in 2 minutes. Basic details—we handle the rest.
We search our entire panel to find your best rate options—all without affecting your credit score.
Choose your best option, sign digitally, and drive away—knowing you got the best deal.
Regulated & compliant
Market-wide access
Soft check only
Based right here
$0 broker cost
Lucas started RateUnlocked after watching too many people get stuck with rates they didn't need to pay.
The finance industry makes money from confusion. Banks profit from loyalty. Dealers earn commissions from inflated rates. Nobody tells you what's actually available—because it's not in their interest.
RateUnlocked changes that. With relationships across 30+ lenders—from major banks to specialist non-bank lenders—we show you what's actually possible. Then we help you get it.
"Everyone deserves to know they got the best rate possible. Not just the first one offered."
Founder & Rate Hunter
Melbourne born & based
See what rates you could actually get—without affecting your credit score.