Super Finance Markets review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.

Key facts

Best for
Borrowers wanting a secured loan or business finance with no application fee.
Initial rate
0.6% (Source, checked September 26, 2026)
Fixed period
0.25 to 2 years (Source, checked September 26, 2026)
Maximum loan to value
75% (Source, checked September 26, 2026)
Product fee
A$0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Equity-release, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Super Finance Markets Pty Ltd (Source, checked September 26, 2026)
Headquarters
Australia (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Official website
supercredit.com.au

Loans

APR
0.6% to 0.85% (Source, checked September 26, 2026)
Loan amount
A$100,000 to A$3,000,000 (Source, checked September 26, 2026)
Term
3 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 AUD (no application fee) (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Approval in 48 hours, funds disbursed in 10 business days (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Business, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Super Finance Markets Pty Ltd (Source, checked September 26, 2026)
Headquarters
Australia (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • No application fee at all, recorded as 0 AUD (no application fee)
  • No credit check, and the lender caters to applicants with poor credit
  • Fixed rates held for 0.25 to 2 keep the repayment predictable
  • Loan amounts of AUD 100,000 to AUD 3,000,000 suit both modest and very large secured borrowing
  • Support by email, chat and phone gives a phone route as well as written help

Cons

  • A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
  • The term of 3 to 24 is short for a home loan
  • The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
Super Finance Markets

Ready to try Super Finance Markets?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Australia whose credit file is in poor shape
  • Businesses needing a short fixed term loan
  • Anyone covering 75% with equity who wants no application fee

Who should look elsewhere

  • First time buyers, since the term runs 3 to 24
  • Long term borrowers put off by the rate of 0.6% to 0.85%

Where it sits among rivals

Super Finance Markets sits at the top of the initial rate ranking, placed 1 among 297 brands, which makes it the cheapest headline rate of the group here. On maximum loan to value the picture inverts: it ranks 246 of 293 brands. So the value in this brand sits in the rate rather than in the amount of equity you can put in, and a borrower with a large deposit gains more than one who needs a high ratio.

Rates and costs

The cost of borrowing is 0.6% to 0.85%, which is the figure to weigh before anything else, because it covers the whole cost of the credit rather than a promotional opening rate. Set against it, the application fee is 0 AUD (no application fee), so there is nothing extra to pay for taking the deal forward. The practical reading is a brand with no upfront charge attached to a high ongoing cost, which suits a borrower who can clear the balance inside a short term.

Regulation

The lender operates as a direct lender and holds Australian Securities and Investments Commission licence 501989, so the contract is with the named entity rather than with an intermediary. Being regulated in Australia means any deposit relationship sits inside the Australian framework, though a reader should still confirm the terms of the protection that applies to a surplus held with them.

Borrowing limits

Borrowing runs AUD 100,000 to AUD 3,000,000 and the maximum loan to value is 75%, so the amount available depends on how much equity you already hold. The rate is fixed for 0.25 to 2, which is a shorter fixed window than many home loans carry. Anyone planning a purchase or a remortgage around this should check the term and the ratio together, because a short fixed period and a limited ratio together narrow the deals this product can serve.

How Super Finance Markets compares

Where Super Finance Markets is available

Available
Australia
Licence in Australia
Australian Securities and Investments Commission (501989), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Super Finance Markets charge?+

The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.

Are there any fees to open the loan?+

The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.

Does this lender run a credit check?+

No credit check is applied, which is helpful if your file is thin. The lender describes the credit profile it works with as poor, and that openness is the reason many applicants reach a deal here. Approval and disbursement follow a stated timeline of Approval in 48 hours, funds disbursed in 10 business days.

How much can I borrow?+

Loan sizes run AUD 100,000 to AUD 3,000,000, and the maximum loan to value is 75%. The amount you can obtain therefore depends on the equity you bring to the property, and a high deposit will widen your options. Terms last 3 to 24.

Is Super Finance Markets regulated?+

Yes. The lender holds Australian Securities and Investments Commission licence 501989 in Australia, and the contracting entity is Super Finance Markets Pty Ltd. Check the licence record before you send documents, and read the terms to see what protection applies to any surplus you keep with them.

How long is the loan?+

The term is 3 to 24, which is short for a home loan and works better as a business or short secured facility. The rate stays fixed for 0.25 to 2, so the cost does not move inside that window. Plan to clear the balance well before the term ends.

What can I use the loan for?+

The stated purposes are purchase, remortgage and equity release, covering a purchase, a remortgage, a home equity facility and an equity release. The product types listed are business and secured lending, so a purchase or remortgage sits on the secured side. Both fixed and secured terms are available here.

How do I get in touch with the lender?+

Support runs on email, chat and phone, so you can reach the team by email, live chat or phone. A direct lender deal like this usually means one point of contact from application to completion, and the stated funding timeline is Approval in 48 hours, funds disbursed in 10 business days. Keep your own copies of every document exchanged.

Sources

  • supercredit.com.au checked September 26, 2026

    Backs: Founded, Headquarters, Lender type, Support channels, Licences

    “Super Finance Markets was established in 2018”

  • supercredit.com.au/products checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Fixed period, Funding time, Initial rate, Loan types, Maximum loan to value, Pricing model, Arrangement fee, Product fee, Purpose, Rate type, Term

    “First Mortgage - Loan amount $100,000 - $3M”

  • supercredit.com.au/terms-conditions checked September 26, 2026

    Backs: Legal entity

    “This website is owned by Super Finance Markets Pty Ltd ACN 620 533 333”

  • supercredit.com.au/why-us checked September 26, 2026

    Backs: Credit needed

    “Low or no document alternative; Private lender essentially lends money with a focus on value of asset, unlike traditional banks lending that focus much on income serviceability”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Super Finance Markets

Super Finance Markets

Borrowers wanting a secured loan or business finance with no application fee.

9.0/10See alternatives

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