Question 1

How does the process work?

Accepted Answer

Tell us what you're financing and your situation, either online or by phone. We compare your options across 80+ lenders using a single soft credit check, then send you a shortlist with rates, fees and terms so you can choose what suits. Once you're happy, we handle the paperwork and lender submission through to settlement.

Question 2

Will checking my options affect my credit score?

Accepted Answer

No. Getting a quote or eligibility check from Finwave uses a soft enquiry, it doesn't appear on your credit file and doesn't affect your score. A formal hard enquiry only happens with the one lender you choose to proceed with, and we'll always tell you before that happens.

Question 3

What documents will I need to apply?

Accepted Answer

It depends on the loan type and amount, but most applications start with your ABN or driver's licence, recent bank statements, and details of what you're financing. Larger or more complex applications may need additional documents such as BAS statements, tax returns, or financials. We'll confirm exactly what's needed once we understand your situation.

Question 4

How fast can I get approved?

Accepted Answer

It depends entirely on the facility and lender, straightforward applications can be assessed same-day, while larger or more complex facilities can take longer. We'll give you a realistic timeframe for your specific situation rather than a blanket promise, see the relevant product page below for typical timeframes by loan type.

Question 5

Why use a finance broker instead of going straight to a bank?

Accepted Answer

Your bank can only offer you its own products. Finwave compares 80+ lenders, including non-bank and specialist lenders most people never hear about, in a single application with one soft credit check. We do the comparison and negotiation on your behalf, and if one lender says no, we know who else might say yes.

Question 6

How does Finwave get paid? Are there any fees?

Accepted Answer

Finwave is paid a commission by the lender once your loan settles, not by you. This is fully disclosed in writing before you proceed. There are no upfront fees to use Finwave, and no charge if you decide not to proceed with any option we source for you.

Question 7

Is Finwave a bank?

Accepted Answer

No. Finwave is an independent, licensed Australian credit broker (ACL 561258), not aligned to any single bank or lender. We're based in Adelaide, SA, and FBAA accredited, with 10+ years of experience arranging finance for individuals and businesses across Australia.

Finance Doesn't Have to Be Complicated.

How Finwave Works

How does the process work?

Will checking my options affect my credit score?

What documents will I need to apply?

How fast can I get approved?

Why use a finance broker instead of going straight to a bank?

How does Finwave get paid? Are there any fees?

Is Finwave a bank?

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