Pre-approval
Confirm your budget before you visit a dealership or respond to a private listing.
Car loans
Car loans, arranged before you buy.
Securing finance before you purchase allows you to negotiate on price with confidence. We compare car loan options and set out the full cost of the loan, not only the regular repayment.
Secure online application. No obligation to proceed.
Who it's for
How we help
- New vehicles
- Used vehicles
- Private sales
- Dealer purchases
- Family and work vehicles
Full cost transparency
We compare interest, fees and any balloon payment, so you can see the total cost over the term of the loan.
Secured and unsecured options
We explain the difference and which options suit the vehicle and your circumstances.
Efficient process
Apply online, upload documents securely, and we manage the lender on your behalf.
Preparation
Documents to prepare
Documents can be uploaded securely when you apply. Your broker will confirm your lender's specific requirements.
Purchasing for business use?
If the vehicle will be used mainly for business, a chattel mortgage or other business finance may be more suitable. See our business loans page.
- Photo identificationDriver licence
- Proof of incomeRecent payslips, or tax returns if self-employed
- Bank statementsTypically the last three months
- Vehicle detailsMake, model, year and price, once selected
- Liabilities and expensesCredit cards, other loans and living expenses
Questions
Frequently asked questions
What is the difference between secured and unsecured car loans?
A secured car loan uses the vehicle as security, which often results in a lower rate. Unsecured loans do not use the vehicle as security, so they usually cost more but can suit older vehicles or other purchases.
What is a balloon payment?
A balloon is a lump sum payable at the end of the loan. It reduces your regular repayments, but the amount must be paid or refinanced when the loan ends, and the total interest paid is higher.
Should I use dealer finance?
Dealer finance can be convenient, but comparing it with other options helps confirm you are receiving a competitive offer. Pre-approval also strengthens your position when negotiating the vehicle's price.
Can I purchase from a private seller?
Yes. Many lenders finance private sales, usually subject to checks on the vehicle and seller before settlement.
Related lending
Start the conversation.
Apply online or book a consultation with a broker. We work with clients Australia-wide.