Vehicle Finance.
Finance for the car you actually want, without the dealership runaround.
Overview
Whether you're upgrading the family car, buying your first vehicle or refinancing an existing loan, we compare consumer car loans across major banks, second-tier lenders and specialist non-bank funders. The right structure depends on more than the headline rate, deposit, term, balloon, fees and early payout terms all change what the loan actually costs you. We model the options and recommend the one that fits.
We finance dealer purchases, private sales and demonstrators, new and used, with terms typically 1 to 7 years. Pre-approval lets you walk into a dealership knowing your budget and removes the pressure of accepting their finance on the spot.
Rates vary by lender, credit profile, asset age and term. We'll quote real numbers, not range marketing.
Who this is for
Key benefits
- Pre-approval before you visit the dealer
- Fixed repayments for full-term budget certainty
- Balloon and no-balloon structures modelled side by side
- Private sale and demonstrator finance available
- No penalty for extra repayments on most loans
- Finance for vehicles up to 12+ years old at end of term
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement; we remain available long after you drive away.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
The vehicle is the security. Generally the sharpest rate option for PAYG buyers with clean credit.
A lump sum at the end lowers monthly repayments. Useful when cash flow matters, but you need a refinance or trade plan for the balloon.
Higher monthly repayment, but you own the car outright at the end with nothing to refinance.
Used for private sales the lender won't secure (older vehicles, kit cars). Higher rate, but it gets the deal done.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
PAYG couple, $55k SUV, 5-year term, no balloon. We secured a sub-major-bank rate that beat their existing bank's offer by 1.8%.
Self-employed, 18-month ABN, 2019 dual-cab from a private seller. We placed it with a specialist who lends on private sales without an inspection.
Client signed at 11.9% in the showroom. We refinanced inside the cooling-off period at 7.4% and saved them $4,800 over the term.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Photo ID (driver licence or passport)
- Two most recent payslips
- Recent bank statement showing salary credits
- Details of the asset being purchased
- Photo ID
- ABN (active, ideally 2+ years)
- Recent BAS or last 6 months business bank statements
- Asset details and invoice or quote
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Dealers earn commission on the rate. The number on the contract often isn't the sharpest you qualify for, even with the same lender.
If the car depreciates faster than expected, the balloon can be higher than the trade-in value. We model this before you sign.
Some loans charge break costs that wipe out the benefit of paying off early. We flag this up front.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.