Dealerships make most of their margin on finance, not the car. We sit on your side — finding you competitive car loan rates before you even set foot in a showroom.
Whether you're buying new, used, or going electric — car finance is one of those things that's easy to overpay for if you don't know what a good deal looks like. We do. We work with lenders who specialise in vehicle finance and we'll find you a rate and structure that makes sense for your situation.
Not just whatever the dealer's finance department happens to be offering this month. Walking into a dealership with pre-approval in hand changes the whole dynamic. You're a cash buyer from their perspective — and that puts you in a far stronger position to negotiate on the car itself.
New, used, electric — we've arranged finance for all of them. Here's what to expect.
Whether you're buying from a dealership or a private seller, we arrange finance before you walk in — so you negotiate on the car price, not the loan. Most lenders are very competitive on new vehicles.
Up to a certain age and km threshold, most lenders are comfortable with used vehicles. We know which ones offer the best rates for used cars, and we'll match you with the right one for your situation.
EV lending is evolving fast. Some lenders offer lower rates for electric and hybrid vehicles as part of green finance programs. We know who they are and how to access them — which can save you real money.
Dealer finance can have significant margin built in. We go direct to lenders who compete for your business — and pass the savings to you.
Know exactly what you can borrow before you walk onto any lot. Pre-approval gives you confidence — and real negotiating power.
No surprises. We structure loans with fixed rates so your monthly repayment stays the same from day one to the last payment.
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From first conversation to keys in hand. Here's what to expect.
New or used, specific model or general budget — we start with a quick conversation. Tell us what you're looking for and what you can comfortably repay each month.
We search across our panel of 50+ lenders, find the best rate for your situation, and get you pre-approved — usually within one business day.
Once you've found your car, we take care of the loan documentation, liaise with the dealer or seller, and get the funds transferred. You just enjoy the drive home.
Most people are surprised by how straightforward car finance eligibility is. Here's what lenders typically look for:
Not sure if you qualify? Talk to us first. We'll give you an honest read on your situation before anything is submitted.
Not all lenders are the same. Some specialise in working with borrowers who've had credit issues in the past — missed payments, defaults, or a discharge from bankruptcy. We know which ones, and we'll match you appropriately rather than sending you somewhere that'll knock you back.
Getting knocked back leaves a mark on your credit file, so it's worth getting it right the first time.
Before — always. Getting pre-approved first means you walk into any dealership knowing exactly what you can spend, and you're effectively a cash buyer from the dealer's perspective. That gives you real negotiating power on the car price. If you wait until you've fallen in love with a specific car, you lose leverage and you're more likely to accept whatever finance the dealer offers.
Most lenders offer car loan terms from 1 to 7 years. The right term depends on your budget — a longer term means lower monthly repayments, but you'll pay more interest over the life of the loan. A shorter term costs you more each month but saves you money overall. We'll help you find the balance that actually works for your cash flow.
Yes — many lenders will finance a private sale purchase, not just dealership buys. There are a few extra steps involved (they'll want to verify the vehicle and confirm the seller's details), but it's very doable. If you've found a great car on Carsales or through a private contact, we can usually arrange finance for it.
We do a soft credit check first — this doesn't appear on your credit file and doesn't affect your score. A hard credit inquiry only happens when you formally apply with a specific lender, and only with your knowledge and consent. We're careful about this because multiple hard inquiries in a short period can impact your score, so we only submit to the lender we're most confident will approve you.
Takes 10 minutes to talk through. We'll do the lender research, get your pre-approval sorted, and make sure you're in the strongest possible position when you go car shopping. No obligation.