Such a smooth process to get a loan. And lovely service from the get go. Very happy with Total Lifestyle Credit.
Straightforward personal loans for Australians. Whether you're consolidating debt, upgrading your home, sorting a vehicle or covering a medical procedure — we keep it simple, fast and honest.
1,821 Google reviewsWe've kept things focused. Pick the loan that fits your situation and we'll handle the rest — no jargon, no surprises, no awkward calls.
Roll multiple debts into a single, predictable monthly payment. Often at a lower rate than credit cards or store finance.
$250 cashback*Renovate the kitchen, redo the bathroom, build a deck, or finally fix that thing that's been bugging you for years.
$250 cashback*New car, used car, motorbike, repairs or upgrades. Dealer or private sale — we finance both without the runaround.
$250 cashback*Cosmetic, dental, bariatric, eye surgery and more. Get the procedure you need now, pay it down on terms that work.
From the first click to funds in your account — we've stripped out the friction so you can get on with it.
Quick application in about five minutes. Tell us how much, what for, and a bit about your situation. No paperwork avalanche.
A real person reviews your application — usually within 24 hours. We'll come back with a clear answer and a personalised rate.
Once you accept, the money lands in your account. Repay over 24 to 84 months on terms that suit your budget.
Such a smooth process to get a loan. And lovely service from the get go. Very happy with Total Lifestyle Credit.
I highly recommend TLC for their outstanding service and commitment to their customers' financial well-being.
Thank you to Tim and the team at TLC for assisting me with my finance for a car. Could not have been easier.
Fast, transparent, and the team actually listens. Best loan experience I've had.
Got my home reno loan approved within 24 hours. Couldn't fault the service.
They made what felt overwhelming feel completely manageable. So grateful for the team.
Straightforward from start to finish. No surprises, no jargon — exactly what I needed.
Such a smooth process to get a loan. And lovely service from the get go. Very happy with Total Lifestyle Credit.
I highly recommend TLC for their outstanding service and commitment to their customers' financial well-being.
Thank you to Tim and the team at TLC for assisting me with my finance for a car. Could not have been easier.
Fast, transparent, and the team actually listens. Best loan experience I've had.
Got my home reno loan approved within 24 hours. Couldn't fault the service.
They made what felt overwhelming feel completely manageable. So grateful for the team.
Straightforward from start to finish. No surprises, no jargon — exactly what I needed.
Get a personalised quote in minutes. No commitment, no impact on your credit score for the initial check.
Start your application