Car loans
Found the right car? Now find the right finance.
Most people spend weeks choosing a car and minutes on the finance. Before you sign anything at the dealership, talk to us. We compare lenders for new and used cars, from a dealer or a private seller.
- Dealer and private sale purchases
- Options for self employed and ABN holders
- No impact on your credit score to enquire
What we finance
From the family car to the work ute
New or used, from a dealer or a private seller.
Everyday vehicles
- New and used cars
- Electric and hybrid vehicles
- Sedans and hatchbacks
- SUVs and family vehicles
- Your first car
Lifestyle vehicles
- Utes and 4WDs
- Motorbikes
- Luxury and performance vehicles
Work vehicles
- Utes and vans
- Trucks and trailers
- Service and trade vehicles
- Fleet vehicles
Buying a ute for work?
If the ute is mainly for your business, there are business finance options like a chattel mortgage that may suit ABN holders better.
Ute finance for tradiesWho our car loans suit
We look at how you earn and what you're buying, then compare lenders on the panel that suit you.
PAYG employees
Buying your next car on a regular wage. We'll match you with lenders that suit your employment and your budget.
Self employed
Lenders assess self employed income differently. We know which ones fit how you're paid, including low doc options where available.
New ABN holders
Recently started out on your own? Some lenders consider applicants with a newer ABN, depending on your history and the vehicle.
Private sale buyers
Buying from a private seller? Private sale finance is available from a range of lenders, subject to checks on the car and the seller.
What you'll need depends on your situation
One conversation and we'll tell you exactly what's needed.
Why use a broker
One conversation, more options
We compare lenders for you
Instead of approaching lenders one by one, we compare options from lenders on our panel and focus on the ones that suit your situation.
One application, handled for you
You give us your details once. We prepare the application and deal with the lender, so you don't have to chase anyone.
Low doc options where available
Self employed or running a newer business? We know which lenders consider other ways to show your income.
Someone in your corner
We explain your options in plain English and keep you updated from enquiry through to settlement.
FAQs
Common questions
Can I get a car loan if I'm self employed?
Often, yes. A range of lenders offer car loans to self employed people. Depending on the lender, you may need recent tax returns, BAS or bank statements, and some offer low doc options if you can't provide full financials. We'll help you find lenders whose criteria suit how you earn.
Can I finance a car from a private seller?
Yes. Private sale finance works much like dealer finance, but the lender will usually check that there's no money owing on the car and may ask for an inspection or valuation. We'll guide you through what the lender needs from you and from the seller.
What is a balloon payment?
A balloon, also called a residual, is a lump sum you pay at the end of the loan. It lowers your regular repayments, but you'll pay more interest overall and need to plan for that final payment.
How long does car loan approval take?
It depends on the lender and how quickly the documents come together. Funds are often available within 24 to 48 hours once approved, subject to lender assessment and receiving all required documents. Timeframes vary by lender and application.
Can I get a car loan with bad credit?
We may be able to help. Some lenders consider applicants with past credit issues, depending on your current situation. Approval isn't guaranteed, and we'll give you an honest view of your options before you apply.
Will enquiring affect my credit score?
No. Making an enquiry with us has no impact on your credit score. A credit check only happens if you decide to go ahead with a full application, and we'll talk you through that before anything is submitted.
Free, no obligation
Get your car loan quote
Tell us a little about the car and your situation. It takes about a minute, and there's no impact on your credit score to enquire.
Prefer to talk?
0415 592 217