Got Questions?close

Got Questions

If you have any questions about Loan Option and the service we offer, take a look at our FAQs. If you can't find the answer you're looking for, send us an email at the following address -

Back to application

Save your applicationclose

Save application

In a hurry? You're nearly done but if you don't quite have enough time to finish your application right now, you can save your application and come back to it at a better time.

Application saved!close

Save application

Your progress has been saved. We have sent you an email with everything you need to complete your application when you're ready.

Cookie Policy

Internet 'cookies' are extremely common. They're stored on everyone's computer and don't harm your system.

What is a cookie?

Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones and other devices. In this policy, we refer to all of these technologies as "cookies". You can find out more about cookies by visiting Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences, recognise you when you return to our website and tailor and measure advertisements. Cookies will be set when you visit Loan Option. By using our website, you agree to our use of cookies. You can set your web browser to refuse cookies (or just to refuse third party cookies) and you can remove cookies (or just remove third party cookies) through your web browser, but if you do this you may not be able to enjoy full use of our website and you may not be able to take advantage of certain promotions we may run from time to time. Please note that third parties who provide advertisement measurement services, run widgets and advertise on our website also use cookies, but we do not have access to or control over them.

Why do we use cookies?

We use cookies to collect information to provide an enhanced experience for our customers and to provide our service to you. This personal information is only used by us and is not shared with third parties. Cookies allow us to remember your preferences and personalise our website, including the personalised welcome message and Personal Application Limit that you see when you visit our website as a returning customer. Cookies also help us understand what customers like to look at on our website, for example, we use cookies to count the number of visits to particular pages or how many customers complete an application. This information does not allow us to identify any particular customer but helps us to understand our customers’ needs and improve our service to you. We also set cookies to manage the loan application and account management process which are critical to providing our service to you.

What cookies are set when I visit Loan Option?

The table below shows all of the cookies that might be set by us when you visit our website and why we use them.

Cookie Description Purpose
Session ID Keeps you logged in to your account and enables us to maintain the state of your current browsing session as you move across pages on our website, including during the application process.
User Experience Remembers your preferences, measures your activity and optimises your user experience.

The following cookies are set by our third party partner suppliers who provide the following services:

Cookie Description Purpose
Web site Analytics These cookies are used to collect information about how visitors use the Loan Option web site including the number of visitors, where they have come from and the specific pages viewed during the current session. We use this information to compile reports, which help us to understand user behaviour on our website and how we might be able to improve our service. We collect information about whether you reached our website via one of our affiliates so that we can tailor your application experience. This is also achieved using a unique URL identifier in the description URL when you initially visit our website. Our website uses Google Analytics Premium, a web analytics service provided by Google Ireland Limited ("Google"). Google uses cookies, to help Google analyse how users use our website. The information generated by the cookies about your use of our website and your current IP address will be transmitted by your browser to and will be stored by Google on servers in the United States and other countries. Acting on our behalf Google will use this information for the purpose of evaluating your use of our website, compiling reports on our website activity and providing us with other services relating to our website activity and internet usage. The IP address collected through Google will not be associated with any other data held by Google. As well as refusing or removing cookies through your web browser you may also stop the transmission of information generated by the cookies about your use of our website and of your IP address to Google, by downloading and installing the Google Analytics Opt-out Browser Add-on available here: Our third party partner suppliers who run widgets on our website use cookies to collect statistics and data about the performance of the widgets.
Advertisement tracking These cookies are used to collect non-personal information about how visitors interact with advertising served on other websites before they arrive at Loan Option and which advertisements our customers prefer. This information helps us deliver advertisements that are relevant to your interests, control the number of times you see a given advertisements, and measure the effectiveness of advertising campaigns. If you don’t wish to have this information used for the purpose of serving you targeted advertisements, you may opt-out by clicking here. You can also opt-out by visiting and Please note this does not opt you out of being served advertising, You will continue to receive generic advertisements.
Web site testing These allow us to show different versions of the same page or feature on our website and then track to see which version performs best. We use a cookie to manage which version to display when you visit Loan Option. The specific variation that you will see is randomly chosen and no personal information is stored or tracked through this cookie.

Transparency Promiseclose


We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all our customers to view.

Our Promise

We believe it is important for anyone who is using our website to have a clear and fair understanding of how the website works, what it’s limitations are and how it’s financed.

How products are selected

All of the products listed on our website come from our own research. We visit many different websites, search through telephone directories and seek out advertising looking for financial products to list on Loan Option.

Once we find a new product, we then set out to find as much about it as we possibly can. To do this, we read reviews on independent review websites, look at every aspect of the product's own website and also search for any news and interesting details about that product that we think our users might find informative.

We then maintain this information and keep it up to date with regular reviews of the products. We do everything we can to make sure only reputable, suitable products are presented to our customers on the website.

We also do everything we can to locate every available product, but we know we are not perfect so cannot promise a whole-of-market solution for our customers.

We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all of our customers to view.

How products are presented

Loan Option enables you sort your results by whats most important to you, whether thats the cheapest product (based on annual percentage rate) or the quickest payout. This means you will see the results most suited to your needs as chosen by you.

How the site is financed

When we have added a new product to the website we will sometimes build a relationship with that product provider. Then, if you apply for the product or take out the product we will receive a commission. That’s where we get our revenue.


We promise to provide you with the best and cheapest offers we can find and will not promote a product more highly on our website to generate ourselves revenue.

We promise to write simple and clear terms and conditions so you can understand our service.

We promise to treat your personal data in a secure and appropriate way at all times.

We promise to respond as quickly as possible to any enquiries you have.

Back to application