Car Finance Options
New Car Loans
From 5.99%Finance your brand new vehicle with competitive rates and flexible terms up to 7 years.
Used Car Loans
From 6.49%Great rates on quality used vehicles. We finance cars up to 12 years old.
Novated Lease
Tax BenefitsSalary sacrifice your car payments and save on tax through your employer.
Chattel Mortgage
Business UseFor business use vehicles. Claim GST credits and depreciation benefits.
Secured vs Unsecured Loans
Secured Loan
The car is used as security for the loan. If you default, the lender can repossess the vehicle.
Unsecured Loan
No asset is used as security. The loan is based purely on your creditworthiness.
Car Buying Tips
Negotiate the Price
Always negotiate - dealers expect it. Research comparable prices online first.
Check the History
For used cars, get a PPSR check and mechanical inspection before buying.
Consider Running Costs
Factor in fuel, insurance, registration, and maintenance costs.
Review Warranty
Understand what's covered and for how long. Extended warranties may be worth considering.
Why Finance With Us?
Competitive interest rates from multiple lenders
Fast approval - often same day
Flexible loan terms from 1 to 7 years
No ongoing fees with most lenders
Fixed or variable rate options
Finance for private sales and dealerships
How It Works
Get Pre-Approved
Know your budget before you shop. Pre-approval is free and takes minutes.
Find Your Car
Shop with confidence knowing exactly what you can afford.
Final Approval
We finalize your loan once you've found the perfect vehicle.
Drive Away
Funds are released to the seller and you drive away in your new car.
Frequently Asked Questions
What do I need to apply for a car loan?
You'll need proof of identity (driver's license or passport), proof of income (recent payslips or tax returns), bank statements, and details of the vehicle you want to purchase. We'll guide you through the exact requirements.
Can I get a car loan with bad credit?
Yes, we work with specialist lenders who consider applications from borrowers with less-than-perfect credit. While rates may be higher, we can often find a solution. The better your deposit, the more options we have.
Should I get a secured or unsecured car loan?
Secured loans (where the car is collateral) typically offer lower rates. Unsecured loans don't use the car as security but have higher rates. For most borrowers, a secured loan is the better option.
Can I pay off my car loan early?
Most car loans allow early repayment with no penalties. Fixed rate loans may have break costs. We can help you find a loan with flexible early repayment terms if this is important to you.
How much can I borrow for a car?
This depends on your income, expenses, and credit history. Generally, lenders look at your ability to repay the loan comfortably. As a guide, car repayments shouldn't exceed 10-15% of your take-home pay.
What is a balloon payment?
A balloon payment is a lump sum due at the end of your loan term. It reduces your monthly repayments but means you'll owe a final payment. You can refinance the balloon, pay it off, or trade in the car.