Money Comparison

Know your products in and out so you can choose the best financial product for you.

The finder.com.au Money Podcast

finder.com.au podcast listen buttonThe finder.com.au Money Podcast is live and saying howdy to all the people out there in radio land! Hosted by finder's own Marc Terrano, Adam Smith and Elizabeth Barry, our podcast is a great way to keep up with the latest money news without the boredom. It features an expert guest each week and helpful tips on everything from cheap travel to the latest money-saving technology. Listen here

Credit Cards

A credit card is a convenient line of credit, usually revolving, which gives you access to funds up to a set credit limit. The funds that you use are subject to the interest rate: either the interest rate on purchases, for – you guessed it – purchases and the interest rate on cash advances. Cash advances are basically any transaction that involves cash, such as taking money out of an ATM, or directly transferring funds online to another account.In Australia, the main credit card types come under Mastercard, Visa and American Express. You can use these cards wherever the symbols are displayed, and this will use up a portion of your credit limit.
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Personal Loans

These type of products are generally suitable for larger purchases, like a car, holiday, DIY projects or your dream wedding. The interest rates are generally lower than those on credit cards, but the amount you’re borrowing is a lump sum and much bigger than what you’d normally put on a credit card.
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Home Loans

Your home will probably be one of the biggest assets that you purchase. Home loans are loans that are designed to fund your purchase, and there’s a huge range to choose from. The most common are variable rate or fixed rate mortgage, which will be explained below. When you borrow money from a lender, you’ll be liable to pay it back with interest. Considering a home loan has a typical loan term of about 20 years, it’s important that you pay attention to the interest rate because this determines what your repayments will be.
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Savings and Banking

Savings accounts, at its most basic, comes in three forms: high interest savings accounts, transaction accounts, and term deposits. Please note that if you’re a business, banks tend to have a separate range of products suitable for a business environment.
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Foreign Exchange

There are many reasons why you might need to exchange money: sending money to a family overseas, or you might have investment abroad. It’s important to pay attention to exchange rates because if you’re dealing with large sums of money, even the smallest change can have an impact.
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Travel Money

Who doesn’t love travelling? Who doesn’t love travelling when you don’t need to pay any fees? finder.com.au compares a range of travel money products to help you make the most of your holiday on a budget.
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Calculators

Calculators are a great way to see how much you can afford on a particular product, or comparing two products side by side. Arm yourself with as much information as possible before you head to the banks, so you can use the information as leverage.
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Ask an Expert

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24 Responses

  1. Default Gravatar
    AshleighSeptember 1, 2017

    I wanted to check my credit score and see if I’m able to apply for any loans but I don’t have a drivers licence is there any other form of I’d I can enter and is there any fees to see my credit score

    • Staff
      GruSeptember 1, 2017Staff

      Hello,

      The free credit score service that we feature on this page is provided by Equifax and would require a valid Australian driver’s licence so that they can verify your identity and to ensure that only you can access your credit score.

      If you do not have an Australian Driver’s licence, you may request for a more detailed credit report instead to gain access to your credit file.

      To get your free credit report from Equifax, please check out this page
      Note that it might take some time to get your free credit report.

      Alternatively, you may also order your credit report and have it sent to you in 1 business day for a fee. Please check out this link for the paid option to get your credit report.

      Hope this helped.

      Cheers,
      Gru

  2. Default Gravatar
    daveJuly 12, 2017

    do you compare workers compensation ?

    • Staff
      DanielleJuly 13, 2017Staff

      Hi Dave,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      Yes, you may refer to this page for options that may suit your needs.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    kamalathasanJuly 9, 2017

    My credit points.

    • Staff
      RenchJuly 9, 2017Staff

      Hi,

      Welcome to finder.

      If you are trying to get a free credit score, you can go to this page and fill out the form. It only accepts details from a valid Australian driver’s licence. You can also get helpful information on this page on how to understand your credit score.

      Hope this helps.

      Cheers,
      Rench

  4. Default Gravatar
    gordo321June 26, 2017

    Hi. I just like to know how you work my credit rating out.

    • Staff
      LiezlJune 26, 2017Staff

      Hi Gordon,

      Thanks for your question. Just to confirm, you have reached finder.com.au – a comparison website and general information service, not actually a credit rating agency.

      The credit score we provide is calculated by Equifax, a credit rating company and they use the information on your credit file to do this. You may refer to this guide for more information on how your score is calculated. Moreover, you can access your credit score every six months for free with finder. In order to get started, you can go through our step-by-step guide to getting your free credit score on this page.

      I hope this has helped.

      Cheers,
      Liezl

  5. Default Gravatar
    DeanMay 9, 2017

    Hi There,

    I have life insurance already with you and was just wanting to be able to log in and check out my details?

    • Staff
      ZubairMay 9, 2017Staff

      Hi Dean,

      Thank you for your inquiry.

      You have contacted finder.com.au, a comparison and information service and not actually an insurer. You will need to contact your insurer in order to check your policy details.

      Cheers,
      Zubair

  6. Default Gravatar
    MurrayApril 26, 2017

    I am looking for a quote for income protection for self employed. All the sites I have gone into have quoted the maximum age for income protection is 60. I am 61 years old fit and healthy and hope to work for a few more years yet. I am a self employed gardner.

    • Staff
      ZubairMay 1, 2017Staff

      Hi Murray,

      Thank you for your question.

      You will generally qualify if your age is between 18 to 65 years old.

      If you would like to compare your options with the help of an advisor, please complete the contact form on our article about income protection insurance for self-employed workers. Once you have done so an adviser will be in touch to help you.

      All the best,
      Zubair

  7. Default Gravatar
    August 26, 2016

    I am a new credit card holder can I get a cash advance before using it for purchases as I am needing a cash advance. Can this be done either over the counter or ATM Thank you Joan

    • Staff
      SallyAugust 29, 2016Staff

      Hi Joan,

      Thanks for your question.

      Yes, you can use your credit card to withdraw funds from an ATM or over the counter, but (depending on the card you’re using) you’ll immediately be charged a cash advance fee and the amount you have withdrawn will start accruing a high cash advance interest rate.

      Cheers,

      Sally

  8. Default Gravatar
    August 17, 2016

    I am a pensioner and I find it very hard to make ends meet, please can you help me, I’ll be much appreciated if you can.

    • Staff
      ElizabethAugust 18, 2016Staff

      Hi Peter,

      Thanks for getting in touch and sorry about your situation.

      We’re not able to provide financial advice but there is a free financial counselling service you can call, the number is 1800 007 007. If you are in debt, we have a guide detailing free debt management services that you can read here, and you can also see some of the alternative loan options (including no- and low-interest loans) that are available here.

      I hope this helps,

      Elizabeth

  9. Default Gravatar
    TimMarch 11, 2016

    Do you have any comparisons of Superannuation funds in Australia

  10. Default Gravatar
    October 13, 2015

    Bonjour M. Shirley je voudrai que vous me venner en aide avec cette outile Detector for Metal Garrett atx SVP Merci

    • Staff
      ShirleyOctober 14, 2015Staff

      Hi Billa,

      Thanks for your question.

      Unfortunately none of our featured retailers are currently selling metal detectors. You may want to try eBay or from their official website. Sorry that I couldn’t be much of an assistance.

      All the best,
      Shirley

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