LENDER PANEL
How BaseRate uses its lender panel
Understand BaseRate lender access, policy matching, panel limitations and how BaseRate is paid when an introduced car loan settles.
Direct answer
BaseRate has access to more than 60 lenders through its panel and aggregation arrangements. It does not claim to compare every lender or every product in Australia. Options depend on panel availability, lender policy, accreditation, the borrower, vehicle and requested loan structure.
Lender panel examples
Examples from our lender panel
BaseRate has access to 60+ asset-finance lenders through panel and aggregation arrangements. These are selected examples, not a complete directory.
Why isn't every lender shown?
The 60+ figure includes lenders available through different panel, accreditation and aggregation arrangements. It does not mean every lender has the same relationship with BaseRate or is available for every application.
Panel composition, accreditation and product availability can change. Publishing a permanent wall of lender logos could therefore imply availability or endorsement that may not apply to an individual customer.
The options considered for you depend on lender policy, your circumstances, the vehicle and the proposed loan structure. BaseRate does not compare every lender or finance product in the market.
Panel information reviewed 7 August 2026.
Access to 60+ asset-finance lenders. Not the whole market; lender and product availability varies.
60+ lenders
Panel access creates breadth, but does not mean every lender is eligible for every application.
Policy first
A lender must accept the borrower, vehicle and proposed structure before price is meaningful.
No customer fee
BaseRate does not charge customers to use its service; a financier may pay commission after settlement.
On this page
What panel access does and does not mean
A broad panel increases the range of policies that can be considered. It is not a whole-of-market comparison and does not guarantee that every panel lender or its lowest advertised rate will be available.
Some lenders or products may be unavailable because of accreditation, geography, vehicle, amount, applicant profile or operational status.
How a suitable option should be assessed
Rate is one input. A useful comparison also considers the complete structure and the probability that the lender can accept the verified application.
- Eligibility and credit policy fit.
- Interest rate, comparison rate and lender fees.
- Loan term, repayment schedule and balloon or residual.
- Early repayment, payout and discharge conditions.
- Approval conditions and expected settlement process.
How BaseRate is paid
BaseRate does not charge customers a fee to use the service. If an introduced loan settles, the financier pays BaseRate a commission. The amount can vary by lender and loan. Lender fees, charges and terms may still apply to the customer.
Commission must not be presented as proof that an option is suitable. The selected option should stand up on policy fit, total cost and customer requirements.
Common questions
Frequently asked questions
Does BaseRate compare the whole market?+
No. BaseRate considers options available through its lender panel and arrangements, subject to accreditation, eligibility and availability.
Can every customer access all 60+ lenders?+
No. Lender policy, borrower circumstances, vehicle and loan structure determine which options can be considered.
Does commission affect the cost of my loan?+
The financier may pay BaseRate a commission if a loan settles. Separately, the loan can include lender interest, fees and charges, which should be reviewed before accepting an offer.
Primary sources
Check the rules and regulator guidance
Reviewed by Scott Iriks, Founder of BaseRate · Last reviewed 8 August 2026.
Policy-informed guidance summarises recurring criteria from reviewed financier documents without reproducing confidential commercial material. See the lender-matching and policy methodology.
General information only. A financier determines actual eligibility, rates, fees, terms and approval after assessment.