Family cars
New or used cars for personal use.
Car and equipment finance.
Whether it's the family car, a work ute or equipment for your business, we compare lenders on rate, fees and terms and get you an answer quickly.
Who it suits
Work vehicles
Utes, vans and trucks for your business.
Equipment
Machinery, tools and equipment your business needs.
How it works
- Tell us the vehicle or equipment, price and how you'll use it.
- We compare personal and business finance options.
- We arrange approval, often within a day or two.
- The lender pays the dealer or seller.
- You make regular repayments over the agreed term.
What lenders look at
- Your income and existing debts
- The vehicle's age and value
- Whether it's for personal or business use
- Any balloon (final lump sum) payment
- Your credit history
Good to know
Watch the balloon
A balloon payment lowers your regular repayments but leaves a lump sum at the end.
Personal or business?
If the vehicle is mainly for business, different finance types may suit. Ask your accountant about tax.
It affects your home loan
Car loan repayments reduce your borrowing power. If you're buying a home soon, talk to us first.
Common questions
Can I get car finance with a past default?
Some lenders do, at a higher rate. We explain your options honestly.
Should I use my home loan to buy a car?
It may have a lower rate, but spreading a car over 30 years costs more interest. If you do, pay it off in a separate split.
How fast is approval?
Often within 24 to 48 hours once we have your documents.
Related
General information only, not credit, tax or financial advice. Every lender has its own criteria and approval is never guaranteed.
Talk to us about vehicle finance.
Free, no-obligation chat in person, by phone or by video.