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Car Finance

Car loans that move as fast as you do

Whether it's your first car or an upgrade for the family, we compare new, used and balloon finance options across our lender panel to find you a competitive rate — without the dealership mark-up.

Why finance your car through us

One application, dozens of lenders compared — we do the legwork so you don't have to.

New & used vehicles

Finance new, demo or used cars from a dealership or private sale — we structure the right loan for the asset.

Fast pre-approval

Know your budget before you shop. Most pre-approvals are turned around within one business day.

Balloon payment options

Lower your regular repayments with a balloon/residual at the end of your term — ideal if you upgrade often.

Fixed rates available

Lock in predictable repayments for the life of your loan across a wide range of lender products.

ABN & business use

Chattel mortgage and business car loan structures for sole traders, companies and trusts.

Multilingual service

We explain every step in English, فارسی or 中文, so you always know exactly what you're signing.

Try it now

Estimate your car loan repayments

Loan amount$35,000
Loan term5 years
Interest rate (p.a.)8.5%
Balloon / residual paymentNone
Repayment frequency

Estimated repayment

$718.08

monthly

Number of payments
60
Total interest
$8,085
Balloon payment
None
Total payable
$43,085
Get a personalised quote

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.

Eligibility

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/BAS)
  • Acceptable credit history — we can also discuss options if your credit file isn't perfect
  • The vehicle meets lender age and condition criteria

FAQ

Frequently asked questions

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.
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 pre-tax salary. We can talk you through which suits your situation.
Many of our lenders offer no-deposit finance for well-qualified applicants, though a deposit can improve your rate and reduce your repayments. We'll show you the trade-offs for your situation.
Yes, most of our lender panel will finance private sale vehicles that meet their age and condition requirements, alongside dealership purchases.

Ready to hit the road?

Get a free, obligation-free car loan quote in minutes.