Car and vehicle finance
Finance for new and used cars, EVs, utes, vans, trucks and motorbikes, for personal use or for your business. We compare lenders so you don't have to.
Common uses
New and used cars
Dealer or private sale, for personal or business use.
Electric and hybrid vehicles
Finance for EVs and hybrids, including options for business buyers and novated arrangements through your employer.
Utes, vans and trucks
Work vehicles, light commercials and prime movers for sole traders and companies.
Motorbikes
Road, off-road and adventure bikes.
Caravans and campers
Caravans, camper trailers and motorhomes.
Refinance
Move an existing car loan to a better rate or structure.
One application, many lenders
- Options from banks and specialist lenders, including for self-employed and less-than-perfect credit
- Consumer car loans, chattel mortgages and leases explained in plain English
- Pre-approval so you can negotiate with the dealer as a cash buyer
- We handle the application and lender follow-up
*Any broker fee is disclosed in our Credit Guide and Quote before you proceed.
From quote to settlement
Tell us what you need
Apply online: what the finance is for, how much, and some details about you or your business.
We compare lenders
We look across our lender panel for options that fit your situation, not just the first lender that says yes.
We do the paperwork
We prepare and lodge the application, deal with the lender and keep you updated.
Funds settled
Once approved, you sign the contract and the funds are paid to you or your supplier.
Vehicle finance: common questions
Do I need a deposit for a car loan?
Not always. Many lenders offer no-deposit car loans to applicants with a good credit history and stable income. A deposit can reduce your repayments and help your approval.
Can I get pre-approval before I find a car?
Yes. Pre-approval gives you a budget and lets you negotiate like a cash buyer. Approvals are usually valid for a set period, typically up to 90 days, depending on the lender.
What is a chattel mortgage?
A chattel mortgage is a common way for businesses to finance a vehicle. You own the vehicle from day one and the lender takes security over it. Your accountant can tell you about any tax implications.
Can I finance a private sale?
Yes. Most lenders finance private sales, usually with a few extra checks such as a PPSR search and a vehicle inspection.
Credit Guide and Privacy Consent. Please read our Credit Guide, Quote and Privacy Consent before you apply. It explains our services, fees, the commissions we may receive and how we handle your information.
Ready to see your options?
Apply online in a few minutes. We'll come back to you with options that suit you.