Lifestyle Finance.
There's something you want - a holiday, a home upgrade, an experience, a purchase that matters. Co-Pilot Finance & Insurance matches you with the right funding structure across 60+ lenders - personal loan, asset finance, or specialist leisure product - so you can do it without touching your savings or running up your card.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Solutions
Lifestyle finance options - holidays, renovation, luxury assets and more
Holidays, renovations, the things that make life better - we finance the fun stuff too, with the same 60+ lender comparison as everything else.
Holiday Loans
Take the trip without draining the savings - repayments sized so the holiday doesn't follow you home for years.
Luxury Asset Finance
Performance cars, watches, the good stuff - financed on terms that fit your income, not a showroom's.
Home Renovation Funding
Kitchens, outdoor areas, the pool - renovation funding without touching your home loan if you'd rather not.
Personal Effect Investments
Collectibles and personal luxury assets - financed with the structure that suits the asset and your budget.
Recreational Vehicle Finance
Boats, RVs, caravans and 4WDs - the gear that gets you outdoors, financed properly.
Event & Celebration Funding
Weddings and milestone events - fund the day properly and repay it on a schedule that doesn't hurt.
Run The Numbers
Calculate your lifestyle finance repayments
Enter your loan details
Estimated repayment
$543.56 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
What lifestyle finance covers - assets, experiences and purchases
Lifestyle finance can be structured around a wide range of purchases - from luxury assets to everyday quality-of-life improvements.
Eligibility
Lifestyle finance eligibility - what lenders in Australia look for
Most Australians with stable income and a reasonable credit history can access lifestyle finance. Co-Pilot works across a broad range of borrower profiles to find the right fit.
Age Requirement
Must be 18 years or older to apply for lifestyle finance.
Employment Status
Stable employment or a consistent, documented income source.
Credit History
A documented history of responsible credit management is preferred.
Income Threshold
Minimum income requirements may apply depending on the loan amount.
Why Co-Pilot
Why Co-Pilot for lifestyle finance - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any lender - so we find the product that fits your purchase and budget, not the one that earns us the most.
Lender relationships that open doors
With 60+ lenders on our panel, we access personal loans, asset-secured products, and specialist leisure finance options that aren't available if you go direct.
Honest advice on the right structure for your purchase
Lifestyle finance isn't one product - it's a category. The right structure (secured vs unsecured, personal loan vs asset finance) depends on what you're buying. We get this right before you commit.
Clear communication, no surprises
You'll know what you're signing up for and why we've recommended it. Quick responses, clear terms, and support throughout the process.
Lifestyle finance - how it works
Tell us what you're planning. We'll find the right way to fund it.
We assess what you're buying, your financial situation, and whether a secured or unsecured structure makes more sense - then compare across 60+ lenders to match you with the right product at the right rate.
No hard credit enquiry until you're ready to proceed. Most approvals within 24-48 hours. Clear terms, no surprises.
Hear What Our Clients Are Saying
“We had a fantastic experience working with Joanne for our car loan. Being new to the process, we really appreciated her professional guidance and her honest, down-to-earth advice. She took the time to understand our lifestyle and provided realistic options that gave us real confidence in our decision. Joanne was professional, reassuring, and a pleasure to deal with. Highly recommended!”
Ricky AM Ramos
FAQ
Common Questions About Lifestyle Finance
Know what you want?
Let's work out how to fund it.
Tell us what you're planning. We match you with the right structure across 60+ lenders - so you can do it without the financial hangover.
No impact to your credit score