How fast can car finance be approved?

Often same-day to 48 hours once documents are in. Private sales add a little settlement time for inspections and payout letters — plan a few extra days.

New or used — does it change the finance?

Rates are usually sharpest on newer vehicles and rise with vehicle age; most lenders have an age cap at the end of the term. We'll tell you if the car you're eyeing prices badly before you commit.

What's a balloon payment?

A lump sum left owing at the end of the term. It lowers monthly repayments, not total cost — sensible in some business structures, a trap when it's just making an unaffordable car look affordable. We'll show both numbers.

Can I finance a private-sale car?

Yes — lenders just add checks: inspection, ownership and payout verification. It protects you as much as them, and we handle the choreography.

Should the loan be in the business or my own name?

It depends on use, structure and tax position — chattel mortgage in the entity for genuine business use is common. Quick chat with us plus your accountant settles it in ten minutes.

Car Finance

The car's the easy part.

Personal or business, new or used, dealer or private sale — finance sorted before you're standing in a showroom being quoted "today only" numbers.

Get a Car Finance Quote

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Two very different loans wearing the same car.

Personal car loans

Fixed rate, fixed term, secured on the vehicle. Simple, predictable, done in days.

Business vehicle finance

ABN holders can access chattel mortgages and similar structures — potential GST and depreciation advantages, repayments shaped to the business. (Your accountant confirms the tax side; we arrange the finance side.)

Compare before you sign the glovebox paperwork.

Dealer finance is convenient and occasionally genuinely sharp — subsidised rates exist. But convenience pricing is real, balloons hide cost, and the F&I office is not comparing the market for you. Arrive with an approved figure and you negotiate the car, not the repayment.

Casual payslips? No payslips at all? Vehicle finance for self-employed buyers is routine for us — low-doc options exist for work vehicles.

Self-employed vehicle finance