• What does a finance broker do? A finance broker helps individuals and businesses find the best loan or finance product suited to their needs. We act as intermediaries between clients and lenders, offering tailored advice on financial solutions, including Vehicle, caravan, marine, business, and personal financing.

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• Never had finance before? Not a problem, we can assist you.

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• How do I start an application with RLU Financial Services? Visit our 'CONTACT' section and complete the form. Our team will contact you within hours to proceed with your application. We'll discuss your employment status, financial commitments, and living expenses. Alternatively, call us directly on 0400017711 or email ray@rlufinancialservices.com.au.​​​

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• Why should I use a broker instead of going directly to a lender? Brokers have access to a wide range of lenders and products, offering more options than a single lender. We negotiate on your behalf and find solutions that best fit your unique financial situation, saving you time and often securing better terms.​

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• Is my credit score affected when using a finance broker? Initially, brokers conduct a preliminary assessment using a "soft inquiry" that doesn’t impact your credit score. A formal application will only be submitted once you've agreed to proceed with a loan, and this is when a "hard inquiry" is made by the lender.

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• What types of loans can a broker help with? We can assist with a variety of loans, including car loans, business finance, personal loans, caravan loans, marine loans and more. Our job is to match you with the best lender and loan product for your specific needs.​

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• Can I apply for a loan if I have a bad credit history? Yes, we work with a range of lenders, including those who offer solutions for individuals with poor credit, we’ll help you explore available opportunities.

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• Can a broker help me refinance an existing loan? Yes! We can assist you in reviewing your current loan to see if refinancing would be beneficial. Refinancing can potentially lower your interest rate, reduce monthly payments, or provide additional funds for other financial goals.

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• What is pre-approval, and should I get one? Pre-approval is when a lender agrees in principle to lend you money based on your financial situation, giving you a clear budget when looking for a property or making a major purchase. It’s a good idea to get pre-approval so you can confidently make offers, knowing your finances are in place.

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• Can I consolidate my debts into one loan? Yes, debt consolidation allows you to combine multiple debts (credit cards, personal loans, etc.) into one loan with a single monthly repayment. This can simplify your finances and may reduce your overall interest payments. We can help find a suitable consolidation loan for your needs.​​​