Car finance
Vehicle finance made simple
Flexible finance options to help you drive away in your dream car sooner, with pre-approval before your car arrives, with 20+ lenders to compare.
Finance Options
Secured Car Loan
Use the vehicle as security for a competitive interest rate. Terms from 1 to 7 years.
Chattel Mortgage
Ideal for business use. Claim GST credits and depreciation on your vehicle.
Personal Loan
Unsecured financing option for flexibility. No need to use the car as security.
Repayment Calculator
Estimate only, not a credit quote
Estimated Monthly Repayment
$512.91
Loan amount: $25,000 over 60 months
Why Finance With Us?
Finance FAQs
Straight answers on used car finance in Melbourne, including deposits, credit history and imported vehicles.
Can I get finance with bad credit?
In many cases, yes. We work with lenders who assess a wide range of credit histories, including past defaults and payment arrangements. Every application is assessed on its own merits, so we will tell you honestly what is likely to be approved before you commit to anything.
How much deposit do I need?
Most lenders look for a 10–20% deposit. Some no-deposit options are available depending on your credit profile and the vehicle you choose.
Do you offer finance for imported vehicles?
Yes. The Japanese imports we sell are financed regularly, and we can supply the compliance and purchase documentation your lender needs. You can even apply for pre-approval before your vehicle arrives in Australia.
Can I finance a car that is still in transit?
Yes, you can secure finance before your vehicle lands. We provide the documentation your lender needs while the car is still on the water.
How long does approval take?
Pre-approval usually comes back within 24–48 hours, with final approval typically 2–3 business days after that, depending on the lender.
Are there any fees?
Lender and broker fees can apply depending on the product you choose. All fees are disclosed upfront in writing before you sign anything.