We do finance differently, because your work is different.
At Spicy Finance, we specialise in helping people whose income doesn’t look “normal” on a bank form.
That includes creators, sex workers, freelancers, contractors, and business owners, people who earn good money, but don’t always get treated fairly by traditional lenders.
We understand how your income actually works, we know which lenders are genuinely inclusive, and we handle the process discreetly and professionally from start to finish.
No judgement.
No awkward questions.
Just clear advice and real outcomes.
Our Services
What We Can Do For You
From car finance to home loans, we provide comprehensive financial solutions tailored to your needs.
Car Finance
Whether it’s your first car, an upgrade, or a vehicle for work, we help you secure car finance that makes sense for your income, personal or business.
We work with lenders who understand non-standard payslips, self-employment, and variable income streams.
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Home Loans
Buying your first home, investing, or refinancing?
We help clients with complex income structures access home loans without having to “tone down” or explain their work.
If you’ve been told “no” elsewhere, that doesn’t mean the answer is actually no.
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Financial Health & Support
We offer financial health checks and access to specialist products designed for people who operate outside traditional employment models.
How It Works
A clear, confidential process
We’ve streamlined the finance process to make it as smooth as possible.
Step 1 — Private conversation
We start with a confidential chat to understand your goals, income structure, and timeline — no assumptions, no judgement.
Step 2 — Smart preparation
We help you present your income in a way lenders actually understand, using the right documents and the right framing.
Step 3 — Lender matching
We submit your application only to lenders who are genuinely aligned with your situation — not a scatter-gun approach.
Step 4 — Approval & settlement
We manage the process through approval, paperwork, and settlement, keeping things smooth and discreet.
- Free Service
Free Financial Health Check
Everyone needs a health check from time to time. Our team evaluates your current situation and assesses how your financial position compares to up-to-the-minute offerings on an obligation-free basis.
Evaluate your current financial position
Compare against latest market offerings
Discover potential savings opportunities
Some of our lenders
Client Stories
What Our Clients Say
4.9from 200+ Google Reviews
You’re not the first. You won’t be the last.
We’ve helped clients who were previously declined, dismissed, or made uncomfortable elsewhere secure car finance and home loans; often faster and with better outcomes than they expected.
Everything we do is confidential, professional, and tailored to you.