Car Loan
Finance sorted before you fall for the car
Walking onto a lot with finance already approved changes the entire negotiation. We compare fixed-rate terms, balloon options and private-sale eligibility across our panel, so you're choosing a car not being sold a finance package.
- New & used vehicles
- Terms 1–7 years
- Balloon options available
Who it's for
- Private buyers who want pre-approval before they start shopping
- Sole traders and tradies financing a work vehicle
- Buyers considering a private sale, not just a dealership
- Anyone trading in an existing vehicle as part of the purchase
How it works
The same clear process every time, shaped around this specific loan type.
- 1
Pre-approval before you shop
We get your finance approved first, so you know your budget before you fall for a specific car.
- 2
Compare the panel
Fixed rate, term length and balloon payment options compared across lenders for your actual numbers.
- 3
Choose your vehicle
Shop with confidence, whether it's a dealership, private sale or trade-in your finance is already sorted.
- 4
Settlement to the seller
Funds are released directly to the dealer or private seller once contracts are finalised.
What's included
Fixed-rate certainty
Know your exact repayment for the life of the loan, with no surprises from rate movements.
Balloon payment options
Lower your monthly repayment with a structured balloon, where it suits how long you plan to keep the car.
Private sale eligible
Buying from a private seller, not just a dealership? Many of our panel lenders support it.
Fast pre-approval
Get a clear approval and budget quickly, so you're not waiting on finance once you've found the right car.
If you're planning to apply for a home loan in the next 12 months, get that conversation started before you commit to a car loan the repayment affects your borrowing power either way.