Your Partner in Finance
Regardless of your financial needs, Sanomi will simplify the process, ensuring you secure the best deal for your requirements.
Access Wholesale Rates
Approval Confidence
Efficient Process
Our Simple Process
Embark on a seamless loan application journey with Sanomi: Apply online, choose your loan, enjoy effortless verification, and celebrate swift approval!
1
Apply Online
Let us know a bit about you and the amount you’re looking to borrow.
2
Personalised Contact
Work one on one with our experts, and pick the lender that suits you best, assured of complete clarity on rates and fees.
3
We Handle the Verification
We cross-check your application against over 1,000 lender policies to find the best match, protecting your credit rating in the process.
4
Loan Approval Confirmed!
Once the final loan documents are verified, your funds will be promptly dispatched.
Personal Loan
Unlock financial flexibility with Sanomi’s Personal Loans. Tailored options, swift approvals, and competitive rates for all your personal needs. Start your journey to financial freedom today!
Car Loan
Drive your dreams with Sanomi’s Car Loans. Customised solutions, fast approvals, and attractive rates for your ideal vehicle. Begin your journey to the perfect car today!
Why Trust Sanomi
Award-Winning Partnerships
Benefit from our collaboration with over 40 lenders, ensuring top-notch comparisons and speedy funding.
Exclusive Wholesale Rates
Gain access to some of the most competitive rates in the industry, available exclusively through us.
Higher Approval Rates
We only share your application with your chosen lender until we know your likely to be approved, safeguarding your credit file.
Complete Fee Transparency
We provide a detailed breakdown of fees, ensuring you have a clear understanding of all charges.
Success Stories
Real People, Real Achievements with Our Loans
Gi Lo
21 March 2024
Sam is very professional and experienced. Such a pleasure to deal with.
Michael Lu
21 March 2024
Amazing professionalism , knowledge and service
sally davey
20 March 2024
Fabulous service!
FryRy
19 March 2024
Very happy with my experience, great service and strongly suggest this business 10/10
Caitlan Lim
19 March 2024
Best advice and service ever!
Meet Our Partners
Unlock access to a premier panel of finance and insurance partners, instantly.
Addressing Your Questions and Queries
How do I apply for a loan with Sanomi?
Starting your loan application with Sanomi is a breeze. Simply get a complimentary quote for tailored rate options from over 40+ top Australian lenders, with no impact on your credit score. After choosing the right lender for your requirements, you can move forward with your loan application. Once approved, you could have the funds in your bank account on the very same day.
What repayment options do lenders offer?
Our lenders offer flexible repayment terms of 3, 5, or 7 years, allowing you to make payments monthly, fortnightly, or weekly, as per your convenience.
Can Sanomi help me find a car?
Absolutely, Sanomi is your go-to for finding the ideal car. We have ties with numerous dealerships nationwide, ensuring access to fantastic deals on both new and second-hand cars. Plus, our collaboration with platforms like Vehicle Solutions means you can get instant, real-time pricing on any car model or make.
How much can I borrow?
The borrowing range varies from lender to lender, typically spanning from $1,000 to $250,000. The amount you’re eligible to borrow depends on several factors, including your income, credit history, and living circumstances.
What can Sanomi help me buy?
Sanomi caters to a broad range of financing needs. Whether it’s financing a new car, covering major expenses, or funding your dream overseas trip, we’ve got a solution. Our secured loans cover a vast array of items from commercial equipment to camper vans, and trucks to motorbikes, thanks to our diverse range of lenders. Additionally, for other significant expenses like debt consolidation, medical bills, holidays, or home improvements, our unsecured personal loans offer the flexibility you need.
Next Step
How do I get my quote?
Simply go through our quick, user-friendly online form to share your key details. You’ll swiftly receive the best quotes from our extensive network of lenders. Sanomi assesses your information against our partners’ criteria to find the most suitable loans and their respective rates for you, providing a personalised and transparent comparison, unlike the variable generic rates you might encounter elsewhere.
I've already chosen my car. How long before I can pick it up?
The timeline can be as quick as the same day, although it varies depending on the lender you choose. After selecting your lender and providing additional details, we collaborate with them to lodge your application. Approval times range from a few hours to 48 hours, based on the lender. Our goal is to expedite funding to ensure a swift process.
I’m having trouble deciding on which lender to go with - is there someone I can speak to?
Certainly! Our knowledgeable and friendly team is always ready to assist you. Don’t hesitate to reach out to us at 1300 880 331 for guidance and support.
Can I add a co-applicant?
This varies by lender. Some lenders permit adding a partner or child as a co-applicant, taking into account both parties’ financial details for the application. However, note that the lower credit score between the two will be considered for interest rate determination. In some cases, applying as a single applicant might yield a better rate.
Can I get a pre-approval?
You can obtain loan pre-approval without finalising your vehicle choice. For secured loans (typically for vehicles from 2008 or newer), the vehicle’s age influences the interest rate. We provide an estimated rate based on your anticipated vehicle’s age and price range. For older vehicles (2007 or earlier), an unsecured loan option is available, allowing you to have funds ready before finalising your purchase.
Does applying for quotes with Sanomi impact my credit score?
Not at all. Requesting your rates with Sanomi won’t affect your credit score. Your application gets shared with your chosen lender and undergoes an extensive credit check only after you’ve selected your lender, completed the final application, passed Sanomi’s internal review, and consented to proceed. This careful process ensures your credit file is shielded from unnecessary inquiries, and credit checks are only conducted when there’s a high likelihood of approval.
What documents will I need to apply?
For a quick quote and personalised rate estimates, no documents are required initially. However, when you’re ready to apply for a loan, you’ll generally need your driver’s license and your two most recent payslips. Most lenders also request the last 3 months of bank statements. If additional documents are needed, we’ll keep you informed.
Why do you need to know information about my financial position?
We require detailed financial information to comply with the National Consumer Credit Protection Act, ensuring responsible lending practices. Gathering data about your income, expenses, and assets helps us make an informed assessment of the loan’s suitability for you. Rest assured, your information is securely handled and used strictly for loan evaluation.
If I am applying as a sole applicant, why do you need to know information about my partner?
We don’t automatically include your partner as a co-applicant unless requested. Nonetheless, lenders often seek information about your partner’s employment and income, primarily to assess shared expenses like rent. This information is securely stored and used only for the purpose of expense allocation.
If I’m approved, where does the money transfer to?
For secured car loans (vehicles from 2008 onwards), the funds are directly transferred to the seller. In the case of older vehicles (2007 or earlier), and for unsecured loans, the money is deposited into your bank account, giving you the flexibility to manage the purchase.
Credit Score
Understanding its significance and how we safeguard it.
Does my credit score impact my rates?
Yes, your credit score is a crucial factor for lenders in assessing your loan eligibility. Each lender considers your credit score when determining if you qualify for their loans.
How does Sanomi access my credit score without impacting my credit file?
Sanomi performs a “soft credit check” using the information from your initial inquiry. This check is conducted through Equifax and provides us with the score that lenders use to determine your loan pricing, without recording an inquiry on your credit file.
How can I view my credit score and credit history?
Your credit score is a numerical summary of your credit history, used by lenders to assess loan eligibility and sometimes to set rates. To check your credit score for free, you can visit www.getcreditscore.com.au. For a detailed view of your credit history, you can access your full report directly from Equifax at no cost.
For any questions about your credit score, please contact us at 1300 880 331.
Does applying for quotes with Sanomi impact my credit score?
No, obtaining a quote with Sanomi will not affect your credit score. We only share your application with your chosen lender after Sanomi has vetted it to ensure a high likelihood of approval.
I think my credit score or credit history is inaccurate, can you help?
Sanomi can only view the information provided by Equifax on your credit file and cannot make amendments or lodge correction requests. If you suspect inaccuracies in your score, you should directly engage with Equifax through their corrections portal to have any issues rectified.
