Car loan

Buying new or used, from a dealer or privately. A car is a major financial commitment, and the loan behind it deserves the same care as the car itself.

We start by sizing the repayment to your budget: shorter terms mean higher monthly repayments but less interest overall. Then we compare rates and fees across lenders, including application fees, monthly service fees, and early repayment penalties that headline rates hide.

You choose the loan type that fits, secured or unsecured, and we handle the application.

• Proof of identity: two forms, such as a driver's licence, passport, birth certificate, or Medicare card.
• Proof of income: recent payslips, tax returns, or bank statements showing an ongoing income source.
• Credit history: a strong record improves approval odds and can earn a lower rate.
• Deposit: not always required, but it boosts approval chances and shrinks the amount financed.
• Age of the car: lenders favour newer cars that hold their value; age and condition are both considered.