Car Loans

  • Terms of 1-7 years available
  • New, pre-owned, vintage & collectible cars
  • No ongoing fees and charges

Let us help you find the right loan for your car whether it’s through a dealer, auction or private sale.
We’ll get you a really great deals.

What can you afford?

Calculate your repayments
Weekly
Fortnightly
Monthly
The information which you calculate from the above calculator does not consitiate a quote and is intended as a guide only. Click to view the Credit Guide, Privacy Authorisation and Client Acknowledgement statements.

Call the Experts  

Found your new car and looking for the best finance option?

Low rate car loans from 4.25% for up to $100,000!
With over 20+ lenders we will find the perfect match in minutes

We negotiate...you drive!

Wanna talk to us?

Feel free to ask us anything, we’re always happy to talk to you.

Call Loan Options  

We make buying and financing a car simple.

We can even assist in finding your dream car with access to a huge network of dealers,
we can even get you discounted fleet pricing.

Secured loan

A secured loan is a loan of which the lender has security over the asset that is being financed.

The lender then registers it interest in the asset financed which mean that as a general rule, the lender will provide you with a better rate than if that lender was to lend you money without an asset security.

Registering security over an asset, reduces the risk for the lender as if it was to happen and you could not continue making the payments on your loan, the lender then can sell the asset and recoup some or all of the outstanding balance on the loan.

In some cases, the lenders will fund an amount in excess of the value of the asset because they have some security, but these extra funds are generally to fund the fees involved in setting a loan up plus any insurances that you can derive a benefit from which also reduce the risk for the lender.

These loans are suitable for individuals and couples alike and can be for term between 12 and 84 months.

Chattel mortage

A chattel mortgage is a secured loan for assets that you purchase for what will be primarily for business use.
The definition of business use is that the asset is used 51% or more for business.
Being a loan for primarily business use, there may be some tax benefit to you as a business with a possible claim of the interest as a tax deduction, so we suggest you speak to your accountant.
You can structure a Chattel mortgage in different ways, you may have a balloon payment at the end and reduce the normal monthly payment but be aware that the ATO does have guidelines as to the percentage of the balloon based on the term of the loan.

Bear in mind that the bigger the balloon is, the higher the payout figure will be through the duration of the loan if you choose to pay it out early.
When setting a balloon figure, please try and set it in a way that the balloon value is equal or below the future value of the asset at the expiration of the loan so you don’t end up with an outstanding amount to pay after selling or updating the asset.
These loans are suitable for businesses and self-employed persons such as tradies and can be for terms between 12 and 84 months.

Commercial hire purchase

Commercial hire purchase, or as widely know as CHP, is a commercial loan facility where you essentially hire the asset from the lender for a fixed monthly repayment over an agreed term.
In this case, the lender agrees to buy the goods from the supplier and in turns, hires it back to you for the contract term.
You may choose to have a contract with or without a balloon at the end and you can also choose to make payments in advance or in arrears.
Balloons will be set as a dollar value or a percentage of the purchase value and if you choose to make payments in advance, the first payment will be upon the settlement of your contract.

This type of loan is designed for business use and requires the asset to be 51% or more a business use asset.
These loans are suitable for businesses and self-employed people and can have terms of 12 to 84 months.
Talk to your accountant to make sure these loans are suitable for you and to understand the tax benefits of them

Novated lease

Novated lease is a three-way agreement between you, the lender and your employer and is generally only available on cars that are new or up to around 4 years old.
This product is used in many salary sacrifice packages and allows you to include or as we call it, bundle your payments and the running costs of your car such as fuel, services registration and even tires into one monthly payment.
In some instances, the employer will make the payments as part of your remuneration package or in others it may be paid from your gross income before tax.
Talk to your employer and your accountant to make sure this facility is suitable for you.

If your employment is terminated your employer, you may be liable to continue with the payments if you wish to keep the car, or you may choose to sell the car and pay the remaining balance out.
These leases may have a small or a larger residual, which is similar to balloon payment so please set them up with a residual no greater than what you think the car will be worth at the end of the lease term.
These leases are suitable for employees within a stable employer environment, not necessarily high income earners and generally offer terms of 12 to 60 months so you always get to drive a relatively new car.

Frequently Asked Questions.  

What is the process of applying for a car loan?

The process of applying for a car loan with us is simple and fast. We simply fill the application with you, which only takes around 10 minutes, we then collect the supporting documents from you so we can assess and find the most suitable lender for you. Once done, we will send you a credit proposal to approve so we can submit your application and get the documents to you for electronic signing and settlement. Our aim is to make it easy for you.

What are the requirements for qualifying for a car loan?

We have relationships with over 30 lenders so if you have an income that is higher than your expenses, the chances are that you qualify for a loan and now, we can together with you determine the amount, based on your surplus and what you are comfortable paying on weekly, fortnightly or monthly basis.

How does my credit score affect my car loan interest rate?

Your credit score will generally determine which lenders we can submit your application to and what approval level you will get, the higher the score, the more lenders we can look at for you and the better term you will receive from the lender. Rest assured, we do not put a mark on your credit file and our assessment will not effect your credit score. Every time you apply for a loan with a lender, a few points will be deducted from your score so please, don't go making multiple applications, let us handle that for you.

Can I refinance my existing car loan?

Of course you can, we can help you with that but, we will only do so if it betters your position and in your best interest. We can just about restructure anyone's life to better their position but in our view, there has to be a benefit to you in doing so. For example, reduce monthly commitments, consolidate a number of loans into one and free some of your income for other things you wish to do. The process itself is easy and can save you a bundle. So if you feel you want us to look at it for you, it's a free service, give us a call.

You must meet the below criteria to apply for a loan. Am I eligible?  

Employed

18 years of age or older

Permanent residentof Australia

I meet all three requirements above.

It’s just 3 simple steps!

GET YOUR LOAN APPROVED AND GET THE MONEY FAST.
Apply on-line now.

Fill out the ‘Quick Loan Form’ and we will search for the best finance package for you. Apply Now  

Found a car? Send us the details or if not we will help you get that dream car! Choose your car  

We’ll have the deal signed and settled within 72 hours so you can be on the road. Simple! Sign & Drive  

Our Partners