About Loan Pantry

Reviews for Loan Pantry

Michael Nunez

Emma was absolutely amazing, Very professional with her line of work. Very quick, Highly recommend this company.

Sidhu Saab

I’m genuinely very thankful to Paul and his wife for sorting out our new car finance under 24 hours. Paul is highly professional. He’s really quick with phone calls/texts messages with any enquiries we had during the loan process. And Paul also got our settlement done really quickly and I was able to pick up the car on time. I’m so thankful to him. I highly recommend contacting Paul if anyone is looking for a hassle free real quick asset loan. Not only that he will also make sure to get the best interest rate. Thank you Paul and team @ Loan Pantry. I would rate Paul 10/10 Stars :)

Meg McSweeney

Thanks you so much, the process was super quick, and the team are so knowledgeable and answered all of my questions :) Will be back again for sure!

Matilda Barlow

My experience with Loan Pantry was amazing - the team obviously know their stuff. They answered my millions of questions, and assisted me with finance for a new car in a very time manner. Thanks guys, I’ll be back!

Mea jin Briz

I applied for a car loan and got it so am totally wrapt! Thanks to Loan Pantry it happened so quickly and was so convenient. Im not used to this kind of way of getting a loan plus am not tech savvy AT ALL but ppl at Loan Pantry were so extremely helpful and patient and it was so vvv easy to do I was amazed. I now have a new car using Loan Pantry. I highly recommend them and I will be coming back in the future. I want to travel and I will apply again. Brilliant and easy to use. Very polite caring staff there too if need be. Thankyou Loan Pantry I am so happy with this and so excited. Thankyou a thousand times over!!????????

Brooke Dobo

Such a great service! So super helpful. Definitely recommend!!

Zakkary McKay-Smith

I had the best experience with Emma and Paul, they helped me through every step of the loan process, from selecting the right car for me to finding the best lender for me, doing checks without affecting my credit score and supporting me through every step of the way, the really went above and beyond, answering all my questions and teaching me a lot in the process. Could not be happier with the service and the result! will definitely be back for my boat and house in the future!

Kacie O'Coilean

Thank you so much! This is the second time we’ve had this team look after our car finance, and once again, the experience was fantastic. The communication was clear and prompt, making the entire process quick and easy. We really appreciate how seamless everything was!

Mandy Yore

I recently used Loan Pantry to finance a new car. I dealt with both Emma and Paul and the service was outstanding. They were both very knowledgeable about finance, providing me with options to best suit my needs and finances. They were fast, efficient and constantly updating me. I would recommend them to anyone needing a loan for any reason. I will use them again.

Donald Smith

Emma at Loan Pantry has been amazing helping me with a personal loan at the best rates even so soon after obtaining a mortgage. She made the process just about effortless for me and communication was top tier, settling the loan in a matter of 2 business days (your experience may vary). Highly recommend Loan Pantry and thank you Emma and co for all your support!

Kate Rylands

Thank you so much to LoanPantry! You have made me purchasing my dream car possible. Everything was so easy. Would definitely recommend these guys to anyone needing finance.

Tania Xepapadea

I had such a wonderful experience with Emma and Paul. They genuinely cared about finding the perfect finance option for me and made everything feel easy and stress-free. They explained each step with patience and honesty, and I always felt supported and looked after. I’ve already recommended them to 3 people, and they were all super happy with the service too. It’s rare to find someone so genuine and dedicated. I’m truly grateful, thanks for saving me $$ and making me feel like a VIP. Much love ❤️

Sandra Edwards

Great, friendly and helpful service.

Katelyn Field

I cannot speak highly enough of Paul and the team!! Getting finance can be such a daunting and confusing task but the Loan Pantry team keep it real and made the entire process as easy as possible. The communication was next level. The genuine excitement Paul had when we got to pick up our dream car made the whole experience incredible!

Kacie & Dennis, QLD

Rachael, QLD

I had an outstanding experience! From the beginning, the team was professional, friendly, and truly invested in providing personalised customer service. They took the time to understand my needs and made everything feel tailored and stress free. The advice and support they offered were helpful and informative giving me full confidence at every step of the process. Their platforms are incredibly easy to use with clear and supportive navigation, making it simple to use without a hassle. On top of that, they offer very competitive rates, which was a pleasant bonus!

Kylie, NSW

Thank you soo much for your guidance and help throughout this process. You’ve been amazing!

Ivy, QLD

I had the pleasure of working with Emma during my recent search for the perfect caravan, and I can confidently say that her professionalism and dedication far exceeded my expectations. From our very first conversation, it was clear that Emma brought not only a deep knowledge of the caravan market but also a genuine passion for helping her clients find exactly what they need. Throughout the entire process, Emma was incredibly attentive and thorough. She took the time to understand what I was looking for, asked the right questions, and offered options that were tailored specifically to my requirements and budget. Her ability to navigate the market, provide honest advice, and negotiate on my behalf made what could have been an overwhelming experience feel straightforward and stress-free. What truly stood out was Emma’s commitment to transparency and her clear communication. She kept me informed at every step, always responded promptly to questions, and never pressured me into a decision. It was clear that her priority was finding the right fit for me—not just closing a deal. Thanks to Emma’s expertise and support, I found a caravan that I absolutely love, and I’m confident I made the right choice. I would highly recommend Emma to anyone looking for a broker who is professional, trustworthy, and genuinely invested in helping their clients succeed. Her service was exceptional from start to finish.

Steve, NSW

We were struggling to find the the right loan, but Emma stepped in and quickly found multiple options that suited our needs. Their efficiency and professionalism saved us both time and money.

Michael Nunez

Emma was absolutely amazing, Very professional with her line of work. Very quick, Highly recommend this company.

Sidhu Saab

Meg McSweeney

Thanks you so much, the process was super quick, and the team are so knowledgeable and answered all of my questions :) Will be back again for sure!

Matilda Barlow

Mea jin Briz

Brooke Dobo

Such a great service! So super helpful. Definitely recommend!!

Zakkary McKay-Smith

Kacie O'Coilean

Mandy Yore

Donald Smith

Kate Rylands

Thank you so much to LoanPantry! You have made me purchasing my dream car possible. Everything was so easy. Would definitely recommend these guys to anyone needing finance.

Tania Xepapadea

Sandra Edwards

Great, friendly and helpful service.

Katelyn Field

Kacie & Dennis, QLD

Rachael, QLD

Kylie, NSW

Thank you soo much for your guidance and help throughout this process. You’ve been amazing!

Ivy, QLD

Steve, NSW

We were struggling to find the the right loan, but Emma stepped in and quickly found multiple options that suited our needs. Their efficiency and professionalism saved us both time and money.

Frequently Asked Questions

What happens if my business faces financial difficulties during the loan term?

If your business encounters financial challenges during your asset finance term, early communication with Loan Pantry is crucial. We can liaise with your lender to explore available options, which may include temporary payment deferrals, restructuring the loan terms, or adjusting the repayment schedule to match your current cash flow situation. Many lenders prefer to work with borrowers who communicate proactively rather than simply missing payments. Depending on your circumstances and payment history, options might include extending the loan term to reduce monthly payments, implementing a temporary payment holiday, or restructuring the debt. However, it's important to understand that asset finance is secured against the financed equipment, so the lender does have the right to repossess the asset if alternative arrangements cannot be reached. Our ongoing relationship means we can advocate on your behalf and help negotiate solutions that protect both your interests and maintain your relationship with the lender for future financing needs.

What information do I need to provide for an asset finance application?

To process your asset finance application efficiently, Loan Pantry requires several key pieces of information about your business and the intended purchase. We need recent financial statements, typically the last two years of profit and loss statements and balance sheets, along with recent bank statements showing your business cash flow patterns. You'll also need to provide details about the asset you wish to finance, including supplier quotes, specifications, and intended business use. For established businesses, we require Australian Business Number details and company registration information. Additionally, we need information about business ownership, including director details and any guarantors. If you're purchasing from a specific supplier, we'll need their details and any relevant purchase agreements. The exact documentation requirements can vary depending on the loan amount and lender requirements, but our team guides you through the entire process.

Are there any fees associated with using Loan Pantry's brokerage services?

Loan Pantry is generally paid a commission by the lender when your loan settles. We also charge a fee for the provision of credit assistance, which varies depending on the complexity of your situation. This fee is not an out-of-pocket expense—it is added to your loan amount. Full details of any fees and commissions will be provided once we understand your needs.

What is asset finance and how can it help my business?

Asset finance is a funding solution that allows businesses to acquire essential equipment, vehicles, or machinery without paying the full purchase price upfront. Instead of depleting your working capital, you can spread the cost over time through structured repayments. This approach preserves your cash flow for daily operations and growth opportunities. Asset finance covers a wide range of items including commercial vehicles, manufacturing equipment, office technology, medical devices, and construction machinery. By using asset finance, businesses can access modern equipment that improves productivity and competitiveness while maintaining financial flexibility. The equipment itself typically serves as security for the loan, which can result in more favourable terms than unsecured business loans.

Can I finance used equipment or does it have to be new?

Asset finance is available for both new and used equipment, though the specific terms and conditions may differ. Many lenders readily finance quality used equipment that is in good working condition and from reputable manufacturers. However, there are typically some restrictions on the age and condition of used assets. Most lenders prefer equipment that is less than five to ten years old, depending on the type of asset and its expected lifespan. The loan-to-value ratio for used equipment is often lower than for new equipment, meaning you may need to provide a larger deposit. Additionally, some lenders require professional valuations or inspections for used assets to confirm their condition and market value. Loan Pantry works with lenders who specialise in used equipment finance and can help you understand which options are available for your specific requirements. This flexibility allows businesses to access quality equipment at lower purchase prices while still benefiting from structured financing arrangements.

What are the typical interest rates and terms for asset finance in Australia?

Interest rates and loan terms for asset finance vary depending on your individual circumstances. We work with a panel of over 50 lenders— including banks, non-bank financiers, and specialist providers—to find competitive options tailored to your needs. Pricing is risk-based and influenced by factors such as credit profile, asset type, loan structure, and business history.

How long does the asset finance approval process typically take?

The asset finance approval timeline varies depending on several factors including the complexity of your application, the loan amount, and how quickly you can provide required documentation. For straightforward applications with all documentation ready, initial approval decisions can often be received within 24 to 48 hours. More complex applications or those requiring additional verification may take several business days. Once approved in principle, the final documentation and settlement process typically takes another few days to a week. Loan Pantry works diligently to expedite your application by ensuring all documentation is complete and properly presented to lenders from the outset. We maintain regular communication throughout the process and can often provide status updates within hours of receiving new information from lenders. Our established relationships with lenders also help streamline the assessment process, potentially reducing overall timeframes compared to direct applications.

Can Loan Pantry help businesses outside of Brisbane access asset finance?

Absolutely. While Loan Pantry is based in Brisbane, we provide asset finance brokerage services to businesses throughout Australia. Our extensive network of lenders operates nationally, allowing us to arrange financing for businesses in major cities, regional centres, and rural areas across all states and territories. Modern communication technology enables us to manage applications, coordinate documentation, and provide ongoing support regardless of your location. We understand that businesses outside major metropolitan areas may have unique requirements or face different challenges, and our lender network includes institutions that specialise in regional and rural business finance. Whether you're located in Sydney, Melbourne, Perth, Adelaide, Darwin, Hobart, or anywhere in between, we can arrange suitable asset finance solutions. Our processes are designed to be efficient and comprehensive, ensuring that distance doesn't compromise the quality of service or the range of options available to your business.

How does working with an asset finance broker benefit my business?

Rather than approaching individual lenders yourself, we research the products of over 50 lenders and recommend options that are competitively priced and most likely to approve your application. This helps protect your credit file from unnecessary enquiries and improves your chances of securing favourable terms.

What types of assets can be financed through Loan Pantry?

Loan Pantry arranges financing for virtually any business asset that retains value and contributes to your operations. This includes commercial vehicles such as trucks, vans, and specialised transport equipment, as well as heavy machinery for construction, mining, and agriculture. We also handle manufacturing equipment, medical and dental equipment, office technology including computers and telecommunications systems, and hospitality equipment like commercial kitchens and point-of-sale systems. Additionally, we can arrange finance for renewable energy installations, printing equipment, and professional services equipment. The key requirement is that the asset must be used for business purposes and maintain sufficient value to serve as security. Our extensive lender network means we can find suitable options for both common and specialised equipment across diverse industries throughout Australia.

Car Loans

Heavy Vehicle Finance

Green Loans

Business Loans

Personal Loans