Car Loans and Vehicle Finance
Get the best rate
We assist our customers in finding a car finance solution that suits their needs. Our experienced brokers and extensive lender panel ensure you get competitive rates and repayment options.
Get the best rate for your next car loan
A car loan is a secured loan used to purchase a new or used vehicle, where the vehicle serves as collateral and the loan is repaid in regular instalments over an agreed term. Whether you're looking to finance a new or used vehicle or seeking refinancing options for an existing one, our team of experienced Australian-based brokers, together with our extensive lender panel, ensures you're in the best hands to find competitive car finance rates and repayment options that suit your needs. Use our loan repayment calculator to estimate your weekly or fortnightly car loan repayments.
Our expert brokers understand that every customer has unique requirements and finance goals. That's why we offer a wide range of car finance options tailored to meet your needs and budget.
Benefits of using a finance broker
From the moment we start working together, you'll be matched with a single point of contact - your dedicated broker - who will take the time to understand what you'd like to buy, as well as your personal details, work history, income, and expenses, to create a tailored preliminary assessment for your car finance.
Customised Financing
We'll work with you to find the financing solution that fits your needs.
Flexible Repayment Options
We offer a range of repayment options to fit your budget and financial goals.
Competitive Rates
Our asset loans offer competitive rates and terms, allowing you to save money on interest charges and reduce the overall cost of your loan.
How it Works
We want to help you achieve your finance needs and get you in your new car sooner. Here's the process on how we get your car loan approved quickly.
Step 1
Initial discovery call
Chat with us to discuss your specific financial goals for the car purchase.
Step 2
Research, Planning and Comparison
We work hard to present to you the best solution, lender and interest rate based off our initial discovery call.
Step 3
Submit your application
We will help you complete all the necessary paperwork and requirements with your chosen lender to get your application sorted.
Step 4
Ongoing Support
We will monitor your application and keep in touch along the way. We work behind the scenes to make sure everything is as smooth for you as possible.
Frequently asked questions
Common questions about car loans and vehicle finance, answered by our brokers.
What interest rate can I get on a car loan?
Your car loan interest rate depends on factors including your credit score, the loan amount, whether the car is new or used, and the loan term. A broker compares multiple lenders to find the most competitive rate for your profile. Secured loans, where the vehicle acts as collateral, generally attract lower rates.
Can I get a car loan for a private sale?
Yes, you can finance a car purchased through a private sale. The lender will typically require a vehicle identification check and a valuation before approving the loan. Your broker can guide you through the extra steps involved and ensure the paperwork is completed correctly so settlement proceeds without delays.
Do I need a deposit for a car loan?
A deposit is not always required for a car loan, as many lenders offer full financing for the vehicle's purchase price. However, providing a deposit or trade-in reduces the amount you borrow, which lowers your repayments and the total interest paid over the loan term. Your broker can confirm each lender's requirements.
What is a balloon payment and should I use one?
A balloon payment is a lump sum owed at the end of a car loan term, which reduces your regular repayments during the loan. It suits borrowers who want lower monthly costs and plan to refinance, trade in or pay out the balance at term end. Your broker can model the full cost comparison.
How long does car loan approval take?
Car loan approval can take anywhere from a few hours to several days, depending on the lender, the completeness of your application and whether the vehicle needs a valuation. Your broker submits a complete application, follows up with the lender and works to secure approval as quickly as possible.
Can I refinance an existing car loan?
Yes, you can refinance an existing car loan to secure a lower interest rate, reduce your repayments or adjust your loan term. A broker compares your current rate against available lenders and calculates whether the savings outweigh any exit fees. Refinancing is most beneficial when rates have fallen or your credit position has improved.
Ready to get behind the wheel?
Chat with our experienced brokers today and let us find the right car finance solution for you.
Book a free consultation