OptiCheck
SmartMatch™ Your Finance. Instantly.
The Optimal Solution for Your Needs.
The Optimal Broker.
The Optimal Lender.
All in one Place.
We make it easy for Australians to find the right loan.
🔒 Safe and secured connection
Analyse your needs and match you with 100+ specialised brokers, 85+ banks and non-bank lenders.
A FEW OF OUR LENDING PARTNERS
Truck Finance
Ute Finance
Equipment Finance
Car Finance
Caravan Finance
Business Loans
Personal Loan
Trust OptiCheck with your business finance
The Financial Solution
You Deserve is Just a Click Away
OptiCheck’s SmartMatch™ technology analyses your financial profile to connect you with the most suitable broker and lender, instantly, intelligently, and without affecting your credit score.
45k+
Loans Approved
Thousands have trusted us to support their financial goals. With over 45,000 loans approved, our experience speaks for itself.
Why OptiCheck
We combine real expertise with real technology — because you deserve better than guesswork.
The Smarter Way to Find Finance
45K+
Loans Approved
10+
Years of Experience
100%
Client Satisfaction
24h
Average Approval Time
Our Services
Services Designed to SmartMatch™ Your Goals
Smarter Personal Loans: Matched to You in Seconds
With OptiCheck’s SmartMatch™ technology, finding the right personal loan is effortless. We analyse your credit profile, goals, and budget to connect you with the most suitable broker and lender, instantly, safely, and without affecting your credit score.
Fast, flexible funding.
Fuel Your Business with Data-Driven Finance Matches
Running a business means every dollar counts, and your finance partner should too. OptiCheck’s SmartMatch™ matches you with specialist brokers to pair you with the right funding for your stage of growth. From cash-flow support to equipment finance we deliver fast, credit-safe matches that help you move forward with confidence.
Capital that fits.
Asset Finance
Whether you need vehicles, tools, or machinery, OptiCheck’s SmartMatch™ pinpoints the lender and broker best equipped to fund your assets. Match your goals, credit range, and business type in real time. The result? Tailored asset finance options that save time, reduce stress, and keep your business moving.
Simplify your payments.
Focused on funding what matters most — your future.
Our Mission
Empowering Your Financial Confidence
At OptiCheck, we believe finance should be simple, transparent, and tailored to you. Our SmartMatch™ system connects you with verified brokers and lenders who understand your goals, helping you find the right solution, faster and smarter.
By combining data intelligence with genuine personal guidance, we make your loan process clear, effortless, and credit-safe.
Your financial journey deserves precision, and that’s exactly what we deliver.
Funding That Puts You First
At OptiCheck, every match starts with you. Our SmartMatch™ system analyses your needs, not just numbers, to connect you with verified brokers and lenders who genuinely fit your goals. No hidden fees, no confusing jargon, just clear results designed around your financial journey.
Transparent From Start to Finish
We believe great finance starts with transparency. That’s why OptiCheck gives you full visibility at every step, from your first match to final approval. Our SmartMatch™ system ensures you’re always connected with the right broker, the right lender, and the right deal, all with zero guesswork.
Why Choose Us
What Sets Us Apart?
At OptiCheck, we do more than connect you with lenders;we simplify the entire journey.
Our SmartMatch™ system combines intelligent analysis with real human insight to make sure every match is accurate, transparent, and tailored to your needs.
No confusion. No pressure. Just smarter finance made simple.
🔍 Precision Matching: Our SmartMatch™ system analyses your goals to find the broker and lender that truly fit you.
🤝 Verified Experts Only: Every broker in our network is licensed, experienced, and hand-vetted for quality.
💬 Clear Communication - We keep it simple: no jargon, no hidden terms, just honest guidance.
⚡ Fast & Credit-Safe – Get matched in under 60 seconds without impacting your credit score.
FAQS
Frequently Asked Questions
What types of loans do you offer?
We offer personal loans, business loans, and debt consolidation options, each tailored to meet your specific needs. Our goal is to provide flexible solutions that suit various financial situations.
How do I apply for a loan?
You can apply easily through our secure online application form. Simply provide your details, and our team will review your application and get back to you with a decision.
What are the loan requirements?
We require basic personal information, proof of income, and identification. Specific requirements may vary depending on the loan type, but we make the process clear and simple.
How long does it take to get approved?
Approval times vary, but most loans are approved within 24 hours. We aim to process applications quickly and keep you informed throughout the process.
What is the interest rate on your loans?
Interest rates depend on the type of loan and your financial profile. We strive to offer competitive rates and provide full transparency with no hidden fees.
Can I pay off my loan early?
Yes, you can pay off your loan early without penalty. We believe in giving you the flexibility to manage your finances as you see fit.
What is the interest rate range?
Repayment options are simple and flexible. You can set up automatic payments or pay manually based on your loan terms.
What if I can’t make a payment on time?
If you're unable to make a payment, reach out to us as soon as possible. We can discuss alternative arrangements to ensure your loan stays on track.
Testimonials
We Have Solutions For Everyone
"
“I was honestly dreading the loan process, but OptiCheck made it effortless.
Within minutes, I was matched with a broker who understood exactly what I needed — no endless calls, no confusion.
I had my approval faster than expected and felt supported the whole way.
It’s the smartest way I’ve ever applied for finance.”
Emily R. , Brisbane
satisfied client
@emily.r
Contact
Have Any More Questions?
We make it easy for Australians to find the right loan.
🔒 Safe and secured connection
Analyse your needs and match you with 100+ specialised brokers, 85+ banks and non-bank lenders.
Committed to providing reliable financial solutions with transparency and care. We’re here to support your journey, every step of the way.
*Your actual interest rate will depend on several factors, including the type and age of the asset being financed, the information you provide during your application, and the loan term. This rate may differ from any advertised rates.
**The Comparison Rate is calculated on a secured loan of $30,000 over a 5-year term. This example is provided for illustration only and may not include all applicable fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate.
***OptiCheck is a marketing website and not a lender. We connect you with verified Australian finance brokers who handle your loan application and provide personalised assistance.
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