Zooma takes the hard work out of finding a loan. One short application, one soft credit check, and we match you to the lender on our panel most likely to approve you at a competitive rate.
No branch visits, no confusing paperwork. Tell us what you need and we take it from there.
Tell us how much you need, what it is for, and a bit about your situation. One form covers it all — you never repeat yourself to a second lender. We will also ask for your visa type and expiry if you are on a work visa.
Our team reviews your application and runs a soft credit check — this does not appear on your file or affect your score. We then identify the lender on our panel of 20+ best suited to your needs and most likely to approve you at a competitive rate.
Our team contacts you with your approval. If the match works for you, we guide you through to settlement — handling the paperwork and follow-up so you don't have to chase anyone. There is no obligation to proceed and no pressure at any stage.
Going direct to one lender means one view of your situation, one hard credit inquiry, and one approval or rejection. Zooma works differently.
We run one soft check. Apply to 5 lenders directly and each runs a hard inquiry — lowering your score before you have signed anything.
Our panel includes specialist lenders who are often more competitive than the major banks — especially for car loans, debt consolidation and visa holders.
We review your situation before approaching any lender. We only present options that actually make sense for your position — not whoever happens to approve you.
Checking your options costs nothing and commits you to nothing. You decide whether to proceed once you have seen your approval and are happy with the terms.
Tell us your details once. We handle all the lender communication from there — no filling in the same information across five websites.
Our panel includes specialist lenders who accept open and employer-specific work visas — where most mainstream banks decline without review.
Every time you apply directly to a lender, they run a hard credit inquiry that appears on your file. Do this with five lenders and you have five hard marks — each one lowering your score and making the next approval harder.
Zooma runs a single soft credit check during our assessment. This does not appear on your credit file, does not affect your score, and is invisible to any lender you approach in future.
Once we have found your match, some lenders accept our check. Others may run their own standard check as part of their process — we will always let you know before we submit anything.
Everything you need to know about the Zooma process before you apply.
Still not sure? Talk to our team
The application form takes around 5 minutes to complete. Once submitted, our team reviews it and typically comes back to you the same day — often within a few hours for applications received before 3pm on business days.
We run a soft credit check during our assessment. This does not appear on your credit file and has no impact on your score. Once we match you to a lender, some lenders accept our check while others may run their own standard check — we always let you know before we submit anything to a lender.
No. There is no obligation to proceed at any stage. We come back to you with your approval and the terms — you then decide whether to proceed. There is no pressure and no fee if you choose not to proceed.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is disclosed in full before you commit and comes from the loan proceeds — there are no upfront fees to apply. Lender establishment fees of up to $450 may also apply.
Our team reviews your application, runs a soft credit check, and identifies the lender on our panel best suited to your situation. We then contact you — usually by phone — to discuss the approval and next steps. You are in control at every stage.
If we are unable to find a match on our current panel we will let you know. We will also give you honest feedback on what might improve your chances in future — whether that is a different loan amount, a longer term, or waiting until your situation changes. There is no fee if we cannot place you.
One application. One soft credit check. We match you to the right lender and come back with your approval. No obligation to proceed.
