Car Finance
Car Finance for Every Australian.
1800 678 880Mon–Fri 8am–6pm AESTPersonal car loans, business vehicle finance, novated leases, low doc options and refinancing. We match you with the right lender and the right rate.
- Compare 30+ lenders without touching your credit file
- Soft enquiry only — no credit checks until the right option is on the table
- Decisions in as little as 24 hours
What is Car Finance and Which Option Suits You?
Car finance is a lending product that allows individuals and businesses to purchase a vehicle by borrowing the purchase price and repaying it over an agreed term, typically two to seven years, with the vehicle itself used as security. Options include personal loans, chattel mortgage for businesses, and a novated lease for salary packaging. Need something heavier? Explore our truck finance options, or consider leisure finance for recreational vehicles.
Personal Car Loans
Finance a new or used vehicle for personal use with fixed repayments, competitive rates, and terms from 1 to 7 years.
Advantages
- New & used vehicles
- Fixed repayments
- 1–7 year terms
- Balloon payment options
- Same-day pre-approval
- No early repayment penalty on select loans
Chattel Mortgage
Most Popular for BusinessThe most common vehicle finance structure for GST-registered businesses. You own the asset from day one with significant tax advantages available.
Advantages
- Own the vehicle immediately
- Claim GST on next BAS
- Tax-deductible interest
- Depreciation claimable
- Fixed repayments
- Balloon payment options
Novated Lease
A three-way arrangement between you, your employer, and a lender. Lease repayments are made from pre-tax salary, reducing your taxable income and saving on GST.
Advantages
- Pre-tax salary deductions
- GST savings on purchase
- Running costs bundled
- FBT-managed structure
- Drive any new or used vehicle
- Keep the car if you change jobs
Commercial Hire Purchase
Hire the vehicle from the lender and take ownership once all payments are complete, with predictable fixed payments.
Advantages
- Hire-to-own structure
- Fixed regular payments
- Interest tax deductible
- Depreciation claimable
- GST benefits available
- Flexible term lengths
Low Doc Car Finance
For self-employed borrowers, sole traders, and businesses with non-standard financials. Qualify based on business bank statements, fast and flexible.
Advantages
- Minimal documentation
- Self-employed friendly
- ABN holders accepted
- Bank statements assessed
- Fast approvals
- New & used vehicles
Car Finance Refinancing
Already have a car loan with a high rate? Refinance to a better deal and reduce your monthly repayments across 30+ lenders.
Advantages
- Lower your repayments
- Compare 30+ lenders
- No impact on credit score at enquiry
- Switch from any lender
- New & used vehicles
- Fast turnaround
How It Works
From enquiry to driving away in as little as 24–48 hours.
Tell us what you need
Fill out a short online form with your vehicle type, loan amount, and basic details. Takes under 2 minutes.
We match you with lenders
Our brokers compare rates across 30+ specialist lenders to find the right structure for your situation.
Get pre-approved
Receive a pre-approval decision, often on the same day, so you can shop for your vehicle with confidence.
Drive away
Finalise your purchase and settle the loan. Our team handles the paperwork from start to finish.
Why Use a Broker for Car Finance?
30+ lenders compared
We access a panel of specialist lenders, not just the big banks, to find the most competitive rate for your situation.
Credit score protected
We match you with the right lender before submitting any application, so your credit score is not impacted by multiple hard enquiries.
No cost to you
Our service is free to use. We are paid by lenders only when a loan settles, with no obligation and no upfront cost.
Fast pre-approvals
Get pre-approved often on the same day so you can shop for your vehicle with confidence and negotiate as a cash buyer.
We handle the paperwork
From application to settlement, our team manages the process so you can focus on choosing your vehicle.
Frequently Asked Questions
Can I finance a used car?
Yes. We can finance new, used, and demo vehicles. Lender criteria around the age and condition of the vehicle may vary, so speak to our team about your specific situation.
What is the difference between a chattel mortgage and a car loan?
A personal car loan is typically used for private vehicle purchases. A chattel mortgage is a business finance product where your business owns the vehicle from day one while the lender holds security. It offers significant tax advantages for GST-registered businesses.
How does car finance affect my credit score?
At the enquiry stage, we do not perform a hard credit check. A credit check is only conducted once you formally apply with a specific lender. We protect your credit score by matching you with lenders most likely to approve your application before submitting.
Can I get car finance with bad credit?
We work with specialist lenders who consider applicants with imperfect credit histories. Each application is assessed on its individual merits. Contact us to discuss your options.
How much can I borrow?
Car finance is available from $10,000 upwards. The exact amount available will depend on your income, employment type, the vehicle, and the lender.