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Car Loan

Drive away sooner with
smarter car finance

Fast pre-approvals, competitive rates, and flexible terms for new and used vehicles -personal or business use.

Get Pre-Approved See Loan Types
2hr
Pre-approval
7 yrs
Max Term
$150K
Max Loan
Finance Options

Car finance for every situation

Personal, business, new, or used -we have a product that fits.

New Car Finance

Finance a brand-new vehicle from a dealership with competitive rates and same-day pre-approval so you negotiate with confidence.

Used Car Finance

Quality used vehicles up to 10 years old. We find lenders with flexible policies for private sales and dealer purchases alike.

Chattel Mortgage

For business use vehicles -own the car from day one while enjoying GST and depreciation benefits. Ideal for ABN holders.

Car Lease

Fixed monthly payments with an option to purchase at the end of the term. Great for managing cash flow.

Novated Lease

Salary-packaging your car through your employer to save on GST and reduce taxable income.

Refinance

Already have a car loan? We compare your current rate against the market -many clients save hundreds each year.

Why Us

Car finance done differently

We work for you, not the dealership. Our job is to find the most competitive finance available, with terms that actually work for your budget.

Pre-approval in as little as 2 hours
Loans from $5,000 to $150,000
Terms from 1 to 7 years
New, used, and commercial vehicles
No early repayment penalties on select products
Balloon payment options to reduce monthly repayments
Apply Now
10 mins
Application
2 hrs
Pre-approval
24 hrs
Full Approval
1-3 days
Settlement
FAQ

Common car loan questions

Can I get pre-approved before visiting a dealership?

Yes. Pre-approval lets you know exactly what you can spend before you walk in, giving you stronger negotiating power. We can have a pre-approval letter ready within hours for most applicants.

Do I need a good credit score?

A strong credit history helps, but we work with a panel of lenders that includes specialist lenders for non-standard credit profiles. We assess your full situation, not just your score.

Can I finance a private sale vehicle?

Yes. Many lenders will finance private sale purchases. There are some age and condition restrictions -we will clarify these when we assess your application.

Is a deposit required?

Not always. Many car loans are available with no deposit required, especially for new vehicles. A deposit can lower your rate and repayments, but it is not mandatory.

Ready to get behind the wheel?

Get pre-approved today and walk into any dealership knowing exactly what you can afford.

Get Pre-Approved Explore Commercial Loans