About BaseRate
Car finance should work at your speed.
BaseRate was built to replace callback-driven car finance with a clear, secure digital journey. Estimate repayments, explore lender-panel options and apply online when you are ready.
Selected lenders from our accessible asset-finance panel
The logos shown are selected examples, not a promise that every lender or product is available. BaseRate has access to 60+ asset-finance lenders. Lender and product availability varies, and BaseRate does not compare the whole market.
Why we started BaseRate
Car finance should not feel like a waiting game.
Traditional car finance can mean completing a form, waiting for a callback, repeating your information and emailing documents back and forth. Quotes may arrive at different times and use different assumptions, making them difficult to compare.
Dealer finance can be convenient, but one offer does not tell you how it compares with other available options. BaseRate was built to give customers more control.
Our technology helps assess your information against the eligibility and product criteria of participating lenders from our panel of 60+ asset-finance lenders. The panel is not the whole market, lender availability varies and any formal approval is subject to lender assessment.
The journey is digital and designed to move at your pace. If an introduced loan settles, BaseRate may receive a commission from the lender. We explain how we are paid, do not provide personal financial advice and leave the decision with you.
How BaseRate is different
A simpler way to understand your options before deciding whether to apply.
More control
Start with an estimate, review the information presented and decide whether you want to continue. You set the pace.
Technology-led matching
Your information is assessed against the criteria of participating lenders from our panel, helping surface relevant options without a broker-led sales process.
Clearer disclosure
We explain the assumptions, the scope of our lender panel and how BaseRate may be paid before you decide whether to proceed.
Our Founder
Scott Iriks
Founder, BaseRate
With over two decades of experience in financial services, Scott Iriks most recently served as Chief Executive and major shareholder at Easi, a leading Australian financial services company. In that role, he specialised in driving value through competitive finance offerings, innovative go-to-market strategies, and an unwavering focus on customer experience.
Guided by a passion for innovation and excellence in customer experience, Scott founded BaseRate to create a more direct digital car-finance experience—one that reduces the broker-led sales process and makes the next step and commercial arrangements clearer to customers.
His industry experience informs how BaseRate combines lender criteria, technology and customer experience into one online journey.
Business and regulatory status
BaseRate is a trading name of Velocity Works Pty Ltd (ABN 21 700 794 056), Corporate Credit Representative 580651 of Scott Iriks, holder of Australian Credit Licence 383122. The platform operator, owner, credit-assistance provider and licence holder are separate roles and are identified so customers can check who is responsible for each part of the service.
Our registered address is 144 Cambridge St, West Leederville WA 6007. You can verify our credit representative status via the ASIC Connect public register.
Scott Iriks is a member of the Finance Brokers Association of Australasia (FBAA), membership number M-363330, associated with Velocity Works. This professional association membership is separate from BaseRate's corporate structure and credit representative status, and is not a lender or product endorsement.
Velocity Works Pty Ltd is a member of the Australian Financial Complaints Authority (AFCA), member number 124416. AFCA provides free and independent external dispute resolution for eligible consumers and small businesses. AFCA membership is not an endorsement of BaseRate or its services.
Ready to see what BaseRate can do?
Estimate your repayments, explore your options, and move forward at your own pace. Fast digital finance.
lender-panel comparison · No obligation