noddle.
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How it works

Getting finance, without the runaround.

Three steps, all online. You tell us about yourself, we do the shopping around and negotiate on your behalf, and we handle the application through to settlement, protecting your credit score the whole way.

~5 minto get started
1soft check, not a hard one
24 hrstypical lender decision
  1. 01
    ~5 minutes · online

    Tell us about yourself

    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 leave a hard enquiry on your file or impact your credit score, so we can see the full picture before anyone applies anywhere.

    • What you're after, a car loan or a personal loan, and roughly how much.
    • The basics about you: income, employment, and your current situation.
    • An Access Seeker (soft) enquiry of your credit file (invisible to other lenders, no hard enquiry, no score impact).

    You get a clear read on who, on our panel, is likely to say yes, and what terms they're likely to offer.

  2. 02
    A real broker · usually same or next business day

    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 laid out, before you commit to anything. Then you choose the option that works best for you.

    • We compare lenders across our panel and put our negotiating weight behind a sharper deal.
    • We show you the real cost: rate, repayments, and every fee, no surprises.
    • You decide. No pressure, no invented urgency.

    You get one or more options that genuinely fit, explained in plain language, with the numbers in front of you.

  3. 03
    We handle it · funds usually same day

    Submit, settle, get on with your life

    If you're happy with the option we've found, we submit the application for you and manage it through to settlement. 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.

    • We prepare and submit the application to the lender you chose.
    • We chase the lender and keep you posted, you're not left wondering.
    • 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.

    You get a settled loan with clear repayments, and your time and credit score intact.

Why it's built this way

We check fit before anyone runs a hard enquiry.

Every time you apply directly with a lender, it can record a hard enquiry on your credit file. Apply to several in a short window, exactly what “shopping around” means, and they stack up fast, which lenders read as a warning sign.

Noddle’s whole process is designed to avoid that. We do the comparison with an Access Seeker (soft) enquiry first, so applications only ever go where they have a real chance, instead of you firing off applications that were never going to fit.

Ready when you are. It takes about five minutes.

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  • No impact on your credit score
  • Apply now in as little as 5 mins
  • We compare multiple lenders for you