Vehicle Finance

Car Loans Melbourne — Compare & Save

New car, used car, or commercial vehicle — we compare finance options across multiple lenders to help you find a loan that may suit your situation. Subject to lender assessment and eligibility.

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Multiple lenders compared
New, used & commercial
Personal & business vehicles
Vehicle Finance Options
New
Used & commercial vehicles too
Fast
Pre-approval
40+
Lenders
Flex
Loan terms
Loan Types

Car Finance Options We Can Help With

The right finance structure depends on your situation, vehicle use, and tax position. We help you understand your options.

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Secured Car Loan
The most common option for personal vehicles. The vehicle acts as security, which may help you access competitive rates. Subject to lender assessment.
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Chattel Mortgage
Designed for business use. You own the vehicle from day one, and the loan is secured against it. May offer GST and depreciation benefits for eligible businesses.
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Novated Lease
A salary packaging arrangement where your employer makes lease repayments from your pre-tax salary. Eligibility depends on your employer's participation.
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Commercial Vehicle Finance
Utes, vans, trucks, and trailers for business use. We work with lenders who specialise in commercial vehicle finance for sole traders and businesses.
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EV Finance
Finance for electric and hybrid vehicles. Some lenders offer tailored EV loan products. Ask us about options that may suit your next vehicle purchase.
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Used Vehicle Finance
Finance for used vehicles is available from many lenders, subject to vehicle age, condition, and purchase price. We compare options across multiple lenders.
Why Use a Broker

Why Use a Broker for Car Finance?

Dealer finance is convenient — but it's typically one lender's product. A broker compares the market.

01
Compare multiple lenders
We access finance products from multiple lenders — not just one — so you can see a range of options suited to your situation.
02
Right structure matters
Car finance can be structured in different ways depending on your situation. We help identify which option may suit your needs and objectives.
03
Personal or business use
Personal use, business use, or salary packaging — the right loan structure depends on how the vehicle is used. We help you understand your options.
04
Protect your credit score
Multiple loan applications can affect your credit score. We assess your options before applying, targeting lenders likely to approve.
05
Fast pre-approval
Know your budget before you walk into the dealership. Pre-approval may be available within 24–48 hours, subject to lender assessment.
06
Flexible terms
Loan terms, balloon payments, and repayment frequency vary by lender. We help you understand the trade-offs and find terms that work for you.
How It Works

4 Steps to Your Car Loan

01
Free Strategy Call
Tell us about the vehicle, your budget, and whether it's for personal or business use.
02
Lender Comparison
We compare options across multiple lenders and present those that may suit your situation.
03
Pre-Approval
Subject to assessment, we obtain pre-approval so you can shop with confidence.
04
Settlement
Once you've chosen your vehicle, we manage the final approval and settlement process.
FAQ

Common Questions

What types of car loans are available?
Common options include secured car loans, chattel mortgage (for business use), novated leases, and personal loans. The right structure depends on your situation and whether the vehicle is for personal or business use.
Can I get a car loan for a used vehicle?
Yes. Many lenders offer finance for both new and used vehicles, though eligibility criteria and rates may vary based on the vehicle age, condition, and purchase price.
How long does car loan approval take?
Approval timeframes vary by lender. Some lenders can provide pre-approval within 24–48 hours, subject to satisfactory assessment of your application.
Do I need a deposit for a car loan?
Not always. Some lenders offer finance with no deposit required, subject to your credit profile and the vehicle value. A deposit may help reduce monthly repayments.
Can I use a car loan for a business vehicle?
Yes. Business vehicle finance options such as chattel mortgage or commercial hire purchase may be available, subject to your business structure and lender criteria.
How do I compare car loan options?
We compare rates, fees, loan terms, and repayment flexibility across multiple lenders to help you understand your options. Book a free call to get started.

Ready to Finance Your Next Vehicle?

Book a free call. We'll compare options across multiple lenders and help you find finance that may suit your situation.

Book Free Call
Subject to lender assessment and eligibility. General advice only.