Vehicle and seller
Age, kilometres, condition and whether you buy through a dealer or private seller can affect lender policy.
Consumer finance
Car finance for new, used and eligible private-sale vehicles
Tell us the vehicle, seller, budget and timing. A broker can compare suitable lender options.
- 50+ lenders in the panel
- Australia-wide
- Enquiry first — no application lodged
What affects your options
What changes a car-finance comparison
Two cars with the same price can still produce different finance options. These are the details worth settling before comparing offers.
Amount and deposit
The purchase price, trade-in, deposit and on-road costs determine the amount that actually needs funding.
Term and final payment
A longer term can reduce regular repayments but increase total interest. A balloon changes both the repayment and the amount left at the end.
Existing finance
A payout figure and any equity or shortfall matter when replacing or refinancing a current vehicle.
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What this finance may cover
- 01New cars
- 02Used cars
- 03Dealer and eligible private sales
- 04Refinancing an existing car loan
Compare costs and conditions
Look beyond the advertised rate
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Open repayment estimatorInterest rate and comparison rate
Establishment, monthly and broker-related fees
Balloon or residual amount and the final repayment
Early payout conditions and flexibility to make extra repayments
Documents you may need
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Proof of identity
- 02Income or employment details
- 03Vehicle and purchase information
- 04Existing loan statement when refinancing
Common questions
About car loans
Can a broker help with a private-sale car?
Potentially. Private sales can have different lender and vehicle requirements, so share the vehicle details early.
Can I estimate repayments first?
Yes. Use the repayment estimator for an indicative figure, then ask a broker about lender-specific pricing and fees.