One clear starting point
Describe your need once and begin a more focused finance conversation.
D4 FinanceStart an enquiryFinance starts with the right connection.
We match individuals and businesses with the right lender and secure the funding you need to achieve your personal and commercial goals.
Personal and business
What are you looking to finance?
Choose a starting point. Our licenced credit partner will access the details and available lending options.
01->02->03->04->05->06->
Personal finance
For the plans, purchases and milestones that matter to you.
Vehicle finance
Options for personal, work and commercial vehicles.
Asset and equipment
Funding pathways for useful assets and essential equipment.
Property finance
Connections for home, investment and property enquiries.
Business finance
Support for cash flow, growth and commercial opportunities.
Refinance
A starting point when you want to review existing lending.
About D4 Finance
A simpler first step toward the finance you need.
Finding the right place to begin can be confusing. D4 Finance makes the early stage clearer by understanding your goal and connecting your enquiry with a licensed credit partner.
We help individuals, families, sole traders and businesses start the conversation. Our credit partner then handles assessment, product information, rates, terms and lending decisions directly with you.
Understand our roleWhy D4 Finance
Clear guidance. Professional connections. No confusion about who decides.
Personal and business needs
The service is designed for individuals, families, sole traders and businesses.
Licensed provider assessment
The provider handles checks, terms, decisions and responsible lending obligations.
How it works
A straightforward referral process.
You stay informed about what D4 Finance does and what happens after the handover.
- 01
Tell us what you need
Share a few details about your finance goal, preferred timeframe and the best way to contact you.
- 02
We make the connection
D4 Finance refers your enquiry to a licensed credit provider that can consider your circumstances.
- 03
The provider assesses
The licensed provider contacts you, explains the process and makes all lending and approval decisions.
Questions, answered
Know where you stand before you begin.
Clear information about our referral role and the licensed provider's responsibilities.
Still unsure? Call 0417 779 900What is D4 Finance?
D4 Finance is a referral service. We connect individuals, families, sole traders and businesses with licensed credit providers who can assess their finance needs.
Is D4 Finance licensed?
D4 Finance is not a licensed credit provider and operates under referral arrangements. Our lending partners are licensed credit providers responsible for responsible lending assessments and loan decisions.
Is D4 Finance a lender?
No. D4 Finance does not provide credit, credit assistance, financial advice, lending decisions or approval guarantees.
Can individuals use the service?
Yes. D4 Finance is not limited to business finance. Individuals can enquire about personal, vehicle, asset, property and refinance needs.
Who decides whether finance is approved?
The licensed credit provider makes all assessment and approval decisions under its own criteria and responsible lending obligations.
Will an enquiry affect my credit score?
Sending a referral enquiry to D4 Finance should not by itself affect your credit score. A credit check may occur only if you choose to proceed with a formal application through the licensed provider.
Do I have to accept an offer?
No. A referral or approval does not oblige you to accept an offer. Review the provider's terms and decide whether they suit your circumstances.
D4 insights
Useful finance reading.
Practical guides are being prepared to help you approach a finance conversation with more confidence.
What to have ready for a finance conversation
A practical checklist can make your first conversation clearer and more useful.
Featured guide coming soonPersonal finance or asset finance?
The purpose of the funds can shape the pathway a provider may consider.
Coming soonWhat happens after a referral
Understand who contacts you, what they may ask for and who makes the decision.
Coming soonReady when you are
Start with a simple conversation.
Tell us what you are hoping to finance. D4 Finance can begin the referral pathway or talk you through what information may be useful.
Prefer to talk?0417 779 900
Important information
D4 Finance is not a lender. All credit assessment and lending decisions are made by the licensed credit provider.