After your finance is pre-approved, you can begin shopping for your chosen asset. The benefit of pre-approval is that it gives you clarity on your budget, so you know precisely what you can afford. Once you have made your decision on what you want to buy, just let your finance specialist know, and they will take care of communication with the seller for you.

We believe in a hassle-free pre-approval process. The service is free with no obligation and gives you a clear indication of your available options to organise finance for your vehicle.

How much you can borrow will be based on your income, expenditure, assets, employment status, credit history, and if it’s a secured or unsecured loan. As part of the application, our finance professionals will meet with you and discover your personal situation and work towards pre-approving the amount you need.

You’ll need:
– A recent ID (e.g., driver’s license or passport)
– Two payslips that are up to a few weeks old
– Your Medicare card

Your finance specialist will inform you of any other documentation required.

There are a variety of loan products for different uses, such as:
– Consumer loans for vehicles, boats, bicycles, motorhomes and caravans
– Secured and unsecured loans
– Business and commercial loans
– Hire purchase agreements
– Equipment hire purchase
– Chattel mortgage
– Cash flow finance

Yes, refinancing is available for both secured and unsecured loans. If you have previously organised finance and want to refinance, talk to a finance specialists about the most suitable options for your needs

Absolutely. Our finance partners can pre-approve your finances even when you haven’t yet chosen a specific vehicle. Once your finances have been pre-approved and you have chosen the asset, your loan will be finalised.

A balloon payment is a single payment at the end of a loan term after all the regular monthly payments have been made. Balloon financing can reduce monthly payments over the life of the loan. 

Yes. With access to a wide range of Australian lenders, our finance partners can help you find a low rate finance solution on new, used, vintage and specialist cars.

Typically, your first repayment will be due within four weeks of settlement of your loan. You will find a particular date marked in your documents for completion of your loan. Lenders offer you convenient repayments such as weekly, fortnightly, or monthly terms.

The minimum loan amount our partners can offer is $2,000.

Yes, as a pensioner who receives age or disability pensions you can get a loan through our finance partners. Our specialists will evaluate your request and find you the most appropriate financial solution to your circumstances.

Loan terms range from one to seven years, depending on your circumstances. 

Our partners offer fixed-rate loans to bring predictability and certainty to the repayment amounts. They will negotiate with lenders to provide you with the lowest cost of borrowing.

Yes. You can include the cost of asset insurance, loan protection insurance, and warranty in your loan amount. You will repay this cost along with your loan.

Interest rates differ depending on the asset being financed, loan size, term duration, and your credit history. Our finance partners will review your application carefully before presenting it to a lender who can provide competitive interest rates.

A vehicle loan allows you to take a loan to purchase a vehicle and repay it over a certain period of time via fortnightly, weekly, or monthly repayments. The repayment will be based on the loan amount, interest, and other fees. 

Your process will begin with a consultation for your requirements and budget. You will be asked to submit papers like evidence of income (for example, payslips), evidence of residency (for example, bills for utilities), and identification (for example, driving license). Your finance expert will let you know if anything more is necessary.

The initial assessment process will not touch your credit file. A formal application—and any associated credit file checks—will only be proceeded with where recorded consent has been obtained.

Being in a Part 9 or Part 10 Debt Agreement will not automatically exclude you from obtaining finance. Our partners will be able to assess this your situation.

Lenders typically require at least three months of work history in Australia before considering an application. For visa holders, the loan term must not exceed the remaining visa duration.

Applications are carefully sifted through before being sent to lenders in order to keep unwanted credit checks to a bare minimum. Our finance partners have alternatives that could better suit those rejected elsewhere in the past.

Yes. As long as you are 18 years old and above, and meet lender requirements, learner drivers are eligible for finance.

Yes. Finance for vehicles purchased both privately and from dealerships can be arranged.

Once you place an online enquiry, a finance professional will guide you through the process and negotiate with lenders to secure approval as quickly as possible.

We do the running around for you, saving you time and money by comparing finance rates, loan types and lending criteria. Our finance partners can narrow down the best possible solution for you without multiple hits on your credit file.