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
Maximise your potential with our diverse range of lifestyle finance solutions tailored to elevate your everyday living and long-term aspirations.
Holiday Loans
Find your perfect escape with flexible holiday financing. Travel stress-free without the financial pressure, and plan your best adventure with ease.
Luxury Asset Finance
Elevate your lifestyle with accessible financing for prestigious items - from high-performance vehicles to luxury watches, with manageable repayment terms.
Home Renovation Funding
Enhance your living space with tailored renovation funding. Whether upgrading your kitchen or adding an outdoor area, we make home improvement accessible.
Personal Effect Investments
Finance valuable assets that enhance the way you live - from collectibles to personal luxury items - with terms that fit your financial situation.
Recreational Vehicle Finance
Fuel your adventures with finance for boats, RVs, caravans, and 4WDs. We make it easier to own the gear that gets you outdoors.
Event & Celebration Funding
Create unforgettable memories with event and celebration finance. From weddings to milestone occasions, enjoy the moment without financial compromise.
Run The Numbers
Calculate your lifestyle finance repayments
Enter your loan details
Estimated monthly repayment
$543.56
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
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
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.