Vehicle finance · Car loans

Drive away with the right car loan.

New or used, dealer or private sale: we compare lenders to find a car loan that fits your budget, and get you approved before you negotiate.

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Get your car loan options

Free, no obligation, and it won't affect your credit score.

George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.

Car finance, compared properly

The quickest finance offer isn't always the best one. Dealer finance is convenient, but it limits you to the lenders that dealer works with, and the rate is often tied up with the price negotiation. Arranging your finance first puts you in a stronger position: you know your budget, you can compare offers, and you can negotiate the car price separately.

We compare car loans across a range of lenders on rate, fees, loan term, balloon options and early repayment terms, then recommend the one that fits. We handle the application and keep you informed through to settlement, including private sales.

We can help with

New and used cars from dealers.
Private sales, including the checks lenders require.
Secured and unsecured car loans.
Loans with or without a balloon payment.
Finance for self-employed buyers and ABN holders.
Refinancing an existing car loan onto a better rate.

Planning to buy a home in the next year or two? Talk to us first. A car loan reduces your home borrowing power, and the order you do things in can matter. See your car loan vs your home loan.

Car loan repayments

Estimate the monthly repayment on a car loan.

Loan amount

Interest rate (p.a.)

Loan term

Estimated monthly repayment

$0 total interest · $0 total repaid

Principal & interest, illustrative only. Enter any rate to test scenarios; it is not a quoted rate. Assumes the rate stays the same for the full term and excludes fees and charges. Actual repayments vary by lender and product.

Compare my options

Work out your budget

Enter the amount you want to borrow, an interest rate to test and a loan term to see the monthly repayment and total interest.

A longer term lowers the repayment but increases the total interest you pay. The rate you're offered will depend on the lender, the vehicle's age and whether the loan is secured.

We'll show you real options once we understand your situation.

How it works

How does a car loan with us work?

Quick chat

Tell us about the car, your budget and your timing. We check what you can comfortably afford.

Compare lenders

We compare car loans on rate, fees, term and balloon options, and recommend the best fit.

Pre-approval

We lodge your application so you can shop and negotiate knowing your limit.

Settlement

Once you've chosen the car, we arrange settlement with the dealer or private seller.

What you'll need

Driver's licence or other photo ID.
Proof of income: recent payslips, or tax returns if self-employed.
Recent bank statements.
Details of existing debts.
Vehicle details once you've chosen the car (or the dealer's invoice).

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Car loan questions, answered.

Dealer finance is convenient, but you're only seeing the options that dealer offers. Getting pre-approved through us first means you can compare the dealer's offer against the wider market and negotiate on the car price as a cash-ready buyer.

Yes. Many lenders finance private sales. They usually want the vehicle details, a PPSR check to confirm there's no money owing on it, and sometimes an inspection. We guide you through each step.

It depends on the lender and how quickly documents come in. Once we have everything, straightforward applications are often approved within a few business days.

Yes. Lenders count your car repayment as an ongoing commitment, and even a few hundred dollars a month can noticeably reduce what you can borrow for a home. If you're planning to buy property soon, talk to us before you finance a car. See your car loan vs your home loan.

A secured loan uses the car as security, which usually means a lower rate. Unsecured loans don't use the car as security, which suits older vehicles or some private sales, but they generally cost more.

Yes. Lenders will usually look at your tax returns or business financials, and some have simpler options for established ABN holders. We match you to a lender whose policy suits how you earn.

A balloon lowers your regular repayments by leaving a lump sum owing at the end of the loan. It can suit some budgets, but you'll need a plan to pay or refinance that amount. We show you the repayments with and without one.

Get your car loan sorted first.

Tell us about the car you're after and we'll compare the options, so you can negotiate knowing your budget.