Car & vehicle loans.
Dealer finance is convenient and rarely the cheapest. We price your vehicle against a broad lender panel first, so the showroom offer has something to beat.
- Dealer finance comparison
- ABN and business vehicle
- Balloon and term structuring
Start here
Tell us your scenario and we will come back with real options.
Book a call Model borrowing powerNo cost to you for standard residential lending. We are paid by the lender once your loan settles.
40+ lenders
One application, whole panel
Same week answers
Pre assessment in days
Written comparisons
Numbers, not sales talk
Australia wide
Remote friendly process
The numbers
- Typical loan size
- $15k to $150k
- Loan terms
- 3 to 7 years
- Balloon options
- 0% to 40% of value
- Approval time
- 1 to 3 business days
- Vehicle age at end of term
- up to about 15 years
- Deposit required
- often $0 for secured purchases
Figures are indicative guides based on current lender policy across our panel and are not an offer of credit. Your own loan size, rate and structure depend on your income, deposit, credit history and the property.
What we do
We check your credit position, confirm the vehicle type and age a lender will accept, and shortlist secured consumer or business options in writing. Where a chattel mortgage or novated arrangement suits your situation better, we say so and explain the tax treatment your accountant will want to confirm.
How the numbers usually look
Most car loans settle between $15,000 and $150,000 over a 3 to 7 year term. Secured lending on a newer vehicle prices sharpest, while older or private sale purchases sit higher. A balloon payment of 20 to 40 percent lowers the monthly repayment but increases total interest, so we show both figures side by side before you commit.
Timelines
Conditional approval is often same day and formal approval usually lands within 1 to 3 business days once the invoice and identification are supplied. Settlement to the dealer or private seller generally happens within 24 hours of approval.
Just after the car finance?
Sometimes a vehicle loan is the whole job and your property lending is already sorted. In that case we point you to Auto Solve Financial, an Australian broker based in Nunawading that works with drivers Australia wide. One enquiry puts your situation in front of a panel of more than 30 Australian lenders, and a real person comes back with the options that fit, usually the same business day.
What Auto Solve Financial covers
They handle the vehicle side end to end: secured finance for new and used cars from dealers or private sellers, refinancing a loan that no longer suits you, and chattel mortgage or equipment finance for ABN holders. Typical amounts run from $5,000 to $150,000 over 1 to 7 year terms, with the rate, fees and total cost explained before you commit. We recommend them because they do that one job properly, the same way we look after the lending we know best.
Common questions
Car & vehicle loans questions, answered.
The questions clients ask us most about car & vehicle loans, answered the way a credit assessor reads your file.
All FAQs
