Car Loan Solutions
Whether you're buying your first car, upgrading to a newer model, or need a reliable family vehicle, our car loan specialists will find the perfect finance solution to get you on the road.
New vs Used Car Loans
New Car Loans
- Lower interest rates
- Longer loan terms available
- Full manufacturer warranty
- Latest safety and technology features
- Higher loan-to-value ratios
Used Car Loans
- Avoid initial depreciation
- More vehicle choices
- Lower insurance costs
- Competitive interest rates
- Value for money options
Types of Car Finance
Secured Car Loan
- Car acts as security
- Lower interest rates
- Higher borrowing amounts
- Longer repayment terms
- Competitive monthly payments
Unsecured Personal Loan
- No security required
- Keep existing car ownership
- Use for any vehicle purpose
- Quick approval process
- Flexible application
Chattel Mortgage (Business)
- Business vehicle finance
- Tax depreciation benefits
- GST input credit claims
- Balloon payment options
- Fleet finance available
Novated Lease (Salary Packaging)
- Employer arrangement
- Tax benefits available
- Include running costs
- Flexible upgrade options
- Potentially lower overall cost
Vehicle Types We Finance
Passenger Vehicles
- Sedans and hatchbacks
- SUVs and crossovers
- Sports and luxury cars
- Electric and hybrid vehicles
- Family-friendly options
Commercial Vehicles
- Utes and light trucks
- Delivery vans
- Tradie vehicles
- Fleet purchases
- Specialized work vehicles
Motorcycles & Recreational
- Motorcycles and scooters
- ATVs and recreational vehicles
- Boats and watercraft
- Caravans and motorhomes
- Specialist recreational vehicles
Loan Features
Competitive Rates
- Rates from 4.99% p.a. (comparison rate varies)
- Fixed and variable options
- New car rate advantages
- Rate matching considered
Flexible Terms
- Terms from 1-7 years
- Weekly, fortnightly, monthly payments
- Early repayment options
- No penalty for extra payments
Quick Approval
- Pre-approval available
- Same-day decisions possible
- Minimal documentation
- Online application options
Application Process
1. Pre-Approval
- Get approved before shopping
- Know your budget limits
- Strengthen negotiating position
- Shop with confidence
2. Vehicle Selection
- Choose your perfect vehicle
- New or used options
- Private sale or dealer
- Get vehicle details
3. Final Approval
- Submit vehicle details
- Complete documentation
- Arrange insurance
- Schedule settlement
4. Drive Away
- Funds released to seller
- Registration arrangements
- Keys collected
- Enjoy your new car!
Benefits of Car Finance
Preserve Cash Flow
- Keep savings for other needs
- Spread costs over time
- Predictable monthly budgeting
- Maintain financial flexibility
Build Credit History
- Regular payments improve credit score
- Establish positive payment history
- Access to better rates in future
- Demonstrate financial responsibility
Drive Newer Vehicle
- Access to better cars
- Latest safety features
- Improved reliability
- Warranty protection
Application Requirements
Personal Information
- Proof of identity and residency
- Employment verification
- Income documentation
- Contact references
Financial Information
- Bank statements (3 months)
- Credit card statements
- Existing loan details
- Living expenses assessment
Vehicle Information
- Make, model, and year
- Vehicle identification number
- Odometer reading
- Purchase price and seller details
Car Loan vs Personal Loan
Interest Rates
Car loans typically offer lower rates as the vehicle secures the loan.
Loan Terms
Car loans often have longer terms available than personal loans.
Loan Amounts
Higher amounts available with car loans due to security.
Ownership
With car loans, you own the vehicle from day one.
Tips for Car Buyers
Research First
- Compare vehicle prices
- Check market values
- Read reviews and ratings
- Consider running costs
Get Pre-Approved
- Know your budget
- Negotiate better prices
- Speed up purchase process
- Avoid dealer finance pressure
Consider Total Cost
- Include insurance costs
- Factor in registration fees
- Consider maintenance costs
- Plan for depreciation
Why Choose Our Car Loans?
Competitive Rates Access to multiple lenders for the best car loan rates.
Fast Approval Quick pre-approval and settlement process.
Flexible Options New, used, and commercial vehicle finance available.
Expert Advice Car finance specialists to guide your decision.
Ongoing Support Assistance throughout your loan term.
Get Your Car Loan Today
Ready to get behind the wheel? Our car loan specialists will help you drive away with the perfect finance solution.
Car loans are subject to credit assessment and approval. Vehicle must meet lender criteria.