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Car & Vehicle Finance

Dealer or private sale, new or used. We check the comparison rate and the fine print before you sign anything.

Dealership finance is convenient, and convenience is exactly what it charges for. The advertised rate often hides an origination fee, a padded warranty and a comparison rate that tells a very different story.

We price the loan separately from the car so you can negotiate the vehicle on its own merits. Walking in with finance already sorted also makes you a cash buyer in the salesperson's eyes, which tends to help.

Estimate your repayments

$650,000
6.10% p.a.
30 years

Your estimated repayment

$3,939/month

Total interest

$768,028

Total amount

$1,418,028

Estimate only, based on a principal and interest loan with the rate held constant for the full term. It excludes fees, lenders mortgage insurance and rate changes, and it is not an offer of credit.

What we look at

Comparison rate, not the stickerFees folded into the loan can add a lot to the true cost. The comparison rate is where they show up.
Business use and the tax angleIf the vehicle is used for work, the structure changes. Worth a five minute chat with your accountant first.
Private sales handledWe take care of the payout, the encumbrance check and the transfer so a private purchase is not a headache.
Early payout termsSome contracts penalise you for paying out early. We check that before you commit, not after.

Our Lending Partners

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