Money Comparison

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

The finder.com.au Money Podcast

The 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

Balance transfer

A balance transfer is the smarter way to rid yourself of interest repayments.

Rewards

These cards allow you to earn points from specific rewards programs.

Frequent flyer

Earn points or miles with airline frequent flyer programs.

Low rate

These cards are designed for people who don’t really need all the extras.

Purchase

These cards don’t charge interest on eligible purchases for a set period of time.

No annual fee

These cards don’t charge an annual fee.

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.

Personal Loans

Unsecured Loans

When you need to borrow money for a relatively large purchase.

Short-term loans

Loans that are designed to cover unexpected emergency expenses.

Vehicle Finance

When you're looking to finance are new or used car.

Business Loans

Compare business loans to help get your business off the ground.

Peer-to-Peer Loans

What you need to know about the emerging peer-to-peer lending sector.

Debt Consolidation Loans

Find out how you can save by consolidating your debt.

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.

Home Loans

Variable rate

A variable interest rate can move up and down over the course of your loan.

Fixed rate

The interest rate on these type of loans are fixed for a set period of time.

Investment

Investment home loans offer features that are favourable to the typical investor.

Refinancing

Switching home loans can bring you better rates and features, and lower fees.

First home buyers

Remove the guesswork out of getting your first home loan with our guide.

Mortgage brokers

Home loan specialists whose job is to find the right loan for you.

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.

Savings and Banking

Savings accounts

Accounts that encourage you to save by rewarding you with interest.

Term deposits

Lock your money away for a set period of time for a guaranteed return.

Transaction accounts

Everyday accounts that allow you access to your money instantly.

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.

Foreign Exchange

International transfers

Send money electronically to an overseas bank account or cash pickup point.

Receiving money

The ins and outs of receiving money from an overseas sender.

Moving to Australia

Migrating to Australia but don’t know where to start?

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.

Travel Money

Travel cards

These cards let you preload certain currencies into your account beforehand.

$0 Foreign fee cards

These cards don’t charge an international transaction or currency conversion fee.

Travel debit cards

These are debit cards that don’t charge a international transaction fee.

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.

Calculators

Home loan calculators

Find out how much you can borrow or what your repayments will be.

Balance transfer calculator

How much could you save by performing a balance transfer?

Personal loan calculators

Find out what your repayments will be and compare loans side by side.

Savings accounts calculators

Find out how you can reach your savings goals.

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.

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

Subscribe to the Finder newsletter for the latest money tips and tricks

Notify me via email when there is a reply

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

22 Responses

daveJuly 12, 2017

do you compare workers compensation ?

Reply
- 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
  
  Reply
kamalathasanJuly 9, 2017

My credit points.

Reply
- 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
  
  Reply
gordo321June 26, 2017

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

Reply
- 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
  
  Reply
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?

Reply
- 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
  
  Reply
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.

Reply
- 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
  
  Reply
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

Reply
- 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
  
  Reply
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.

Reply
- 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
  
  Reply
TimMarch 11, 2016

Do you have any comparisons of Superannuation funds in Australia

Reply
- Staff
  
  ShirleyMarch 14, 2016Staff
  
  Hi Tim,
  
  Thanks for your question.
  
  You can check out our super fund comparison here.
  
  Reply
October 13, 2015

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

Reply
- 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
  
  Reply
BettyMay 29, 2015

I just want to know if you are offering loan for recover or business to non-citizens leaving overseas like in the pacific

Reply
- Staff
  
  ElizabethJune 1, 2015Staff
  
  Hi Betty,
  
  Thanks for your question.
  
  You’ve come through to finder.com.au, as a financial comparison service we don’t actually offer loans ourselves. You can compare business loan options on this page, however please keep in mind that the majority of lenders will require you to be an Australian citizen or permanent resident, and that you be residing in Australia on some sort of Visa while repaying your loan. You can review the eligibility criteria on the review pages of each loan.
  
  I hope this has helped.
  
  Thanks,
  
  Elizabeth
  
  Reply