FAQs

No jargon. Just straight answers.

Do I pay anything to use Cura Finance?

No — our service is completely free. We’re paid by the lender once your loan settles. You’ll never get a surprise fee from us.

How many lenders do you work with?

We work with over 40 lenders, including major banks, credit unions, and specialist lenders. That means we can compare a wide range of loan options and find one that suits you.

What types of loans do you offer?

We can help with:

Home loans (including first home, refinance, construction, and investment loans)
Business and commercial loans
Car and asset finance

Development funding If you’re not sure where you fit, just ask — we’ll guide you through it.

How long does it take to get approved?

It depends on the lender and your situation, but we aim for fast turnarounds. Some approvals can happen within 24–48 hours. We’ll always keep you updated and moving forward.

What documents do I need to apply?

Generally:

Proof of income (payslips or tax returns)
ID

Details of assets and liabilities We’ll let you know exactly what’s needed once we understand your situation.

Can you help if I’m self-employed?

Yes — we work with lenders who offer low-doc and self-employed loan options. We’ll help you present your financials in a way lenders understand.

What if I’ve already spoken to my bank?

That’s fine — we can still compare offers and help you decide what’s best. Often, we can negotiate a better rate even with your existing bank.

Can I still apply if I have a low deposit or limited savings?

Yes — we’ll explore low-deposit or guarantor loan options and let you know what’s possible. We’re always upfront about what’s realistic.

Do you offer pre-approvals?

Absolutely. Getting pre-approved helps you shop with confidence — whether it’s for a home, car, or commercial property.

What makes Cura different from going direct to a bank?

We work for you — not the lender. We compare the market, negotiate on your behalf, and give honest advice about what’s right for your situation. All at no cost to you.

Still have questions?

We’re here to help — just get in touch.

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