Car loans, handled by a broker who stays involved.
Whether it’s your first car or an upgrade for the family, we review new, used and balloon finance options across our lender panel and talk you through what suits you.
Why finance your car through us
One enquiry, a broad panel of lenders, and a broker who does the legwork.
New and used vehicles
Finance new, demo or used cars from a dealership or private sale. We structure the loan around the asset.
Know your budget first
Speak to us before you shop so you know what to aim for. Timing depends on the lender and how quickly we receive your documents.
Balloon payment options
Lower your regular repayments with a balloon or residual at the end of the term, which suits people who upgrade often.
Fixed rates available
Predictable repayments for the life of the loan across a range of lender products.
ABN and business use
Chattel mortgage and business car loan structures for sole traders, companies and trusts.
Multilingual service
We explain each step in English, فارسی or 中文.
Estimate your car loan repayments
This calculator provides an estimate only and is not an offer of credit or pre-qualification. Actual rates, fees and repayments depend on your circumstances, the lender and the asset being financed, and are subject to lender approval and comparison rate disclosures under the National Consumer Credit Protection Act. Speak to us for a personalised, obligation-free quote.
Who can apply
Every lender is different, so we match your circumstances to the right fit. As a general guide, you’ll typically need:
- Australian resident or eligible visa holder, 18 years or older
- Regular income (PAYG payslips or, for ABN holders, financials or BAS)
- An acceptable credit history. We can also discuss options if your credit file isn’t perfect
- A vehicle that meets lender age and condition criteria
Frequently asked questions
Can I get a car loan with an ABN?
Yes. Sole traders and business owners can apply for a business or consumer car loan depending on how the vehicle will be used. We'll help you choose the right structure, including chattel mortgage options.
What's the difference between a car loan and a novated lease?
A car loan means you own the vehicle from settlement and make regular repayments to the lender. A novated lease is arranged through your employer, and repayments (plus running costs) come from your salary. We can talk you through which suits your situation.
How much deposit do I need?
It depends on the lender and your circumstances. Some lenders offer low or no-deposit options for well-qualified applicants, though a deposit can improve your rate and reduce your repayments. We'll show you the trade-offs.
Can I finance a car from a private seller?
Most lenders on our panel will finance private sale vehicles that meet their age and condition requirements, alongside dealership purchases.
Ready to hit the road?
Tell us what you’re looking at and a PMG broker will call you to talk it through.
