loans.com.au onTrack vs Unloan
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
loans.com.au onTrack
Manage your home loan application from start to finish. Book appointments, upload and approve documents, and track your progress through to settlement. Receive important milestone notifications.
- Book appointments with Lending Specialist
- Upload, review, and approve documents
- Receive milestone notifications
- Track home loan progress
- Monitor application to settlement
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onTrack enables you to book an appointment with your Lending Specialist, upload, review, and approve documents, receive notifications of milestones and track the progress of your home loan application through to approval and settlement.
Unloan
Manage your home loan digitally with a low interest rate and no ongoing fees. Track payments, optimize your loan with insights, and set up automated repayments. Securely access your account anytime, anywhere.
- Low interest rate home loan
- No ongoing fees
- Automatic loyalty discount
- Manage home loan on the go
- Secure login with FaceID/fingerprint
- Track upcoming payments
- Loan and property insights
- Automated loan repayments
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We're Unloan, an Australian digital home loan provider built and owned by the Commonwealth Bank of Australia. We're multi award-winning and recognised for delivering outstanding value to customers. Our home loan is designed to help you save more, with a low interest rate, no ongoing fees and an automatic loyalty discount. - Everything you need anywhere, anytime. Manage your home loan on the go and view your account balances from the palm of your hand. - Secure and easy to use. Log in quickly with FaceID or fingerprint. - Never miss an update. Keep track of your upcoming payments. - Optimise your home loan with loan and property insights. Track and grow your interest savings, understand your equity position, and pay down your loan faster. - Automated and easy payments. Use Unloan AutoPay to set loan repayments. There’s plenty more on the way. Stay tuned for more features that will help you stay in control of your home loan. Have an idea or got feedback? Tell us what you want in the app or email us at hello@unloan.com.au. Proud winners of: Canstar Outstanding Value Award 2023, 2024 & 2025 Finder Value Home Loan 2025 & 2026, Refinance Variable Home Loan 2026, Owner Occupier P&I Variable 2026 Mozo Low Cost Home Loan 2024 & 2025 Money Magazine Best Value Flexible Home Loan and Best Value Investment Loan 2025 WeMoney Excellent Rates and Fees 2024 & 2025, Best for Value 2025
Screenshots
Verdict
The clearest difference is review sentiment: Unloan at 75% against loans.com.au onTrack's 3%. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
loans.com.au onTrack ships an update monthly, Unloan every 2 months. The most recent releases landed on September 30, 2026 and October 24, 2026 respectively.
| Parameter | loans.com.au onTrack | Unloan |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 3.0% of reviews | 75.0% of reviews — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 86 MB | 82 MB |
| Age rating | 4+ | 17+ |
| Developer | Loans.com.au | Commonwealth Bank of Australia |
Customer experience
loans.com.au onTrack
Unloan
In-app purchases
loans.com.au onTrack
No in-app purchases
Unloan
No in-app purchases
