Car loans,
sorted for you.
New, used, private sale, business or refinance. A Melbourne-based broker comparing 50+ lenders for car loans across Australia, from enquiry through to settlement.
New, used, private sale, business or refinance. A Melbourne-based broker comparing 50+ lenders for car loans across Australia, from enquiry through to settlement.
Car Loans, Done Properly
Whether you are buying your first car, upgrading the family vehicle, or financing something with a bit more presence in the driveway, a car loan should be built around your situation, not squeezed into a single lender's pricing box. As a Melbourne-based finance broker servicing clients right across Australia, we compare car loans and car finance from more than 50 bank and non-bank lenders, then match your profile to the lenders most likely to suit it. You make one enquiry, and we handle the comparison and the legwork.
Because we are a broker rather than a single lender, we can look at new car loans, used car loans, private sale car finance, refinancing an existing car loan, and business car finance, all from the same conversation. That breadth matters: a lender that prices a new dealer car sharply may not be the same lender that suits a private sale or an older vehicle, and we know where those differences sit.
The car you are buying changes the finance available to you. New car loans are often the most straightforward, because lenders are comfortable with a vehicle that has a clear value and a known history. Used car loans are very common too, but the vehicle's age, kilometres and condition all feed into how a lender assesses the application, which is one of the clearest reasons comparing lenders is worth doing. A vehicle that one lender considers too old may be perfectly acceptable to another, on terms that suit you better.
For both new and used purchases, we will talk through loan term, deposit, and whether a balloon or residual payment at the end of the term makes sense for you. A longer term lowers your regular repayment but means more interest over the life of the loan; a balloon reduces repayments now but leaves a lump sum to settle later. There is no single right answer, only the structure that fits how you intend to use and keep the car. All car finance is subject to lender assessment and approval, and individual lending criteria apply.
Buying privately can be a great way to find value, but it does change what a lender needs to see, including verification of the seller and the vehicle. Many lenders on our panel fund private sale car finance, and we will tell you exactly what is required before you commit to the purchase, so there are no surprises at settlement. If you already have a car loan, the option to refinance your car loan is worth a look from time to time, particularly if your circumstances have changed since you first borrowed. We can review your existing car loan and compare it against current options across our panel, and explain whether refinancing genuinely helps or simply resets the clock.
If you are buying a vehicle to use in a business, the right structure can affect your cashflow and your tax position. A chattel mortgage or commercial hire purchase often suits business car finance, where the vehicle is used to secure the loan and the structure is built around how the business uses it. The best approach depends on your accounting, so we encourage you to speak with both us and your accountant before settling on a structure. Vehicle finance for business use is assessed on the business profile as well as the vehicle, and is subject to lender assessment and approval.
Going direct to one bank gives you one bank's answer. Comparing the market means understanding where your application is likely to be received well, and on what terms, before you apply. We prepare your car loan enquiry properly, compare it across more than 50 bank and non-bank lenders, and stay your single point of contact from first enquiry through to settlement. Based in Melbourne and working with clients across Australia, we manage the paperwork and lender communication so you can focus on choosing the car. We do not promise a particular rate or approval; what we offer is genuine choice and a process that respects your time.
Car Loan Repayment Calculator
Adjust the loan amount, term and rate to see an estimated repayment. When you're ready, one enquiry compares options across 50+ lenders.
This calculator provides an estimate only, based on the figures you enter, and is not an offer of finance, a quote, or a suggestion that any particular loan is suitable for you. It does not include lender fees and charges, which may change the repayment amount. Actual rates and repayments depend on the lender, your circumstances and their assessment. All finance is subject to lender assessment and approval.
Get a Free Quote
Ideal for everyday buyers, families upgrading, business owners after the right structure, and anyone refinancing an existing car loan. Tell us what you need and we'll compare 50+ lenders for options suited to your situation, no obligation.
One enquiry, 50+ lenders compared for your situation.
Most assessments come back within 24-48 hours.
The same specialist from enquiry through to settlement.
Common Questions
Yes. Many lenders on our panel fund private sale car finance as well as dealer purchases. We'll confirm the seller and vehicle requirements upfront so there are no surprises at settlement.
Yes. We arrange used car loans as well as new car loans. The vehicle's age, kilometres and value factor into the assessment, which is exactly why comparing lenders matters. All finance is subject to lender assessment and approval.
Often, yes. We can review your current car loan and compare it against options across our panel. We'll be honest about whether refinancing genuinely helps your situation.
Yes. Business car finance, such as a chattel mortgage or commercial hire purchase, may suit a vehicle used for work. We'd recommend speaking with us and your accountant about the right structure.
No. We're based in Melbourne but arrange car loans for clients right across Australia, handled by phone, email and online.