Smart Friends

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$1,000

for a new home loan customer

Introduce someone to loans.com.au and we'll give you a huge $1,000 bonus when they settle their home loan with us! Your friend will also receive $1,000 and get the reward of being with loans.com.au.

$250

for a new car loan customer

Introduce someone to loans.com.au and we'll give you a huge $250 bonus when they settle their car loan with us! They will also get $150 off their settlement fee.

Get My Referral Code

OnTrack Smart Money

When do I get my Smart Friends referral code?

Apply online

Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Speak to a specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle & save

Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!

Receive referral code (Ontrack)

When your loan settles, you will be given your referral code in onTrack. After settlement of your loan, you will be transferred from onTrack to Smart Money to manage your loan. If you have already migrated to Smart Money, you can access your referral code.

Frequently asked questions

Smart Friends: When & how will my friend use my referral code?

When your friend applies online or via the phone they need to mention to your lending specialist of your friends smart friends referral code. This will then get recorded on your file and will stay on your file until settlement.

Smart Friends: Where can I find my code in Smart Money?

Once you settle under the Smart Friends tab your smart friends referral code will appear there.

Smart Friends: Where can I find my code in OnTrack?

Your smart friends referral code is under the offers section, Smart Friends and your code will appear there.

Smart Friends: When & how can I claim my bonus?

Once you settle your within 30 days the $1000 will appear in your loan account.

Smart Friends: Is there a limit to the number of family and friends who can use my referral code?

No, you can refer as many friends and family as you want.

Terms & condition

You must be a current loans.com.au customer to be eligible to refer your friends and family.

You will be ineligible for the Smart Friends program if your loan account has received any other incentive or rewards offer.

You can share your Smart Friends Code individually with your friends and family. Please note that the Smart Friends Code is not valid if broadcast or published on the internet or in social media.

Your friend must (i) be a new customer of loans.com.au (ii) start an online application and tell a lender your Smart Friends Code (iii) settle a new home or car loan with loans.com.au.

Home loans - The limited offer referral payment is $1000 for home loans for each new customer referred who settles their first loan with loans.com.au between 1 December 2023 and 31 March 2025. Your friend who settles their first loan with loans.com.au between those dates will receive a limited offer payment of $1000 paid to their loan account. Note a new home loan customer application that has multiple borrowers and/or multiple loans is still eligible for only one referral payment. If the home loan settles outside those dates, it is only eligible for our standard Smart Friends referral payment.

Car loans - The referral payment is $250 for car loans for each new customer referred who settles their first loan with loans.com.au. Your friend who settles their first loan with loans.com.au will receive payment of $150 paid to their loan account. Note a car loan customer application that has multiple borrowers and/or multiple loans is still eligible for only one referral payment.

You will receive a notification when a referral payment is to be made to you. The referral payment will be paid to your loan account.

Hannah

Lending Specialist

Chat to one of our experts

We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get in your next home or car sooner, or simply to get a better loan and start savings thousands.

Let's talk

Ready to Start Saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

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