HOW IT WORKS

  • Tell us about your situation

  • We match you with flexible lenders

  • Get fast approval & drive away sooner

Lender Policy Is Always Changing

  • We Stay Ahead for You

    Our team monitors lender policy updates daily so you don't waste time applying where you'll be declined.

  • Access to 60+ Lenders

    Because we work with a wide panel of lenders, we know who is currently approving applications like yours.

  • Tailored to Your Situation

    Every customer is different. We match you with the lender most likely to approve your application today.

Car Finance While Renting and Starting a New Job

🧳 New Job, New Routine — But Still Need a Car?

If you’ve:

  • Just started a new job,

  • Moved into a rental, or

  • Switched careers recently…

…you might be worried about getting car finance with limited time in your current role.

But here’s the truth: you can still qualify, even without 3–6 months in the job — depending on the lender.

✅ What Lenders Look For With New Employment

Most lenders assess:

  • How long you’ve been employed in the new role

  • Whether it’s permanent, casual, or probationary

  • Your industry history (e.g. similar job previously)

  • Stable income and clean banking

  • Whether your rent + repayments are affordable

👉 Check your eligibility here — no credit score hit

🧠 Tips for Renters With a New Job

  1. Apply after 1–3 payslips if possible

  2. Explain clearly if you moved jobs within the same field

  3. Show at least 3 months of clean bank statements

  4. Avoid applying for large loans — keep it modest

  5. Use a broker or service that works with flexible lenders

💡 Can I Get Approved If I’m Still on Probation?

Yes — many lenders accept probation applicants if:

  • The job is full-time or part-time with guaranteed hours

  • You’ve started receiving income

  • You have prior experience in the same industry

👉 Explore Car Loans After Changing Jobs

🏠 Renting Doesn’t Hurt Your Chances

Lenders understand many Australians rent — what they care about is:

  • Is the rent affordable?

  • Are payments consistent and on time?

  • Do you have room for repayments after expenses?

👉 Can I Get a Car Loan Without Bank Statements?

👨🔧 New Job + Side Hustle?

If you’ve just changed jobs but also earn income through a side gig (Uber, NDIS, trades), you may qualify for a small business car loan based on combined earnings.

Also useful:
👉 How Long Do I Need an ABN to Get Car Finance?

🚀 Final Word

Starting fresh doesn’t mean you have to wait for everything else to catch up.
If you’ve got income coming in, rent under control, and a reasonable car in mind — you could get approved even within your first month on the job.

👉 Apply online — takes 60 seconds, no credit check

 

DISCLAIMER

The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.

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All Your Questions Answered

What is a car loan and how does it work?

A car loan is a finance product where a lender provides funds for you to purchase a vehicle, which you repay over time with interest.

What’s the difference between secured and unsecured car loans?

Secured loans use the car as collateral, often leading to lower interest rates. Unsecured loans don’t, but usually have higher rates.

What loan terms are available for car finance?

Most car loans offer terms from 3 to 7 years. Find out what term suits you best.

How is interest calculated on a car loan?

Interest is based on the loan amount, term, and rate. Fixed-rate loans have predictable repayments, while variable rates can change.

Can I get a car loan for a private sale?

Yes, many lenders accept private sellers. You’ll need to provide extra documents.

Do government employees get lower interest rates on car loans?

Yes — many lenders offer better rates due to your stable income. Explore finance options for government employees.

Can I apply for a car loan while on probation?

Yes. Many workers are approved during probation.

What credit score do I need as a government employee?

A score of 650+ is ideal, but lower scores may still be considered.

Are corporate professionals eligible for low-rate finance?

Yes, especially if you're full-time with strong income.

Can I get car finance with a novated lease?

Yes, many government departments support novated leasing.

Can I get a car loan with no credit history?

Yes, it's still possible to get a car loan with no credit history.

What if I’ve been declined elsewhere?

A broker can help restructure your application for better results.

How do I check my credit score?

Use Equifax, Experian, or Illion for a free check.

Can I get finance if I have a current personal loan?

Yes, if your income supports both loans. A broker will assess your capacity.

What documents do I need to apply?

Typically: ID, payslips, and bank statements.

Can casual workers get car loans?

Yes, if you’ve worked consistently for 6+ months.

Can I apply if I’m self-employed with an ABN?

Yes. Consider a low-doc loan.

Can Centrelink be used as income?

Yes, when paired with PAYG income.

What’s the minimum income to qualify for car finance?

Most lenders prefer $30,000+ annually, but this varies.

Can I apply on a fixed-term contract?

Yes, especially if it’s government-backed.

Can I finance a used car?

Yes, most lenders allow used cars under 10 years old.

Can I get a loan for an SUV or family car?

Absolutely

Can I finance a caravan or motorbike?

Yes

Can I finance an EV or hybrid car?

Yes. You may even qualify for green car loan discounts.

Can I use my car for both work and personal use?

Yes you can.

What is a balloon payment?

It’s a lump sum due at the end of the loan term.

Can I make extra repayments?

Yes, many lenders allow this without penalty.

Can I pay off the loan early?

Yes — ask if there’s an early payout fee.

Is there a deposit required?

Not always.

What loan terms are available?

1 to 7 years is standard.

How long does approval take?

24–48 hours in most cases

Can I apply online?

Yes — most lenders and brokers accept online applications.

Is a broker better than going direct?

Often, yes. They can compare lenders for you.

Can I get pre-approved?

Yes — and it gives you better negotiating power at the dealership.

What happens after I apply?

Your documents are reviewed, and if approved, the lender issues funds to the seller.

Can I get a loan with a visa?

Yes, in some cases. see finance for visa holders here.

Do I need a driver’s licence to apply?

Yes, but learners may qualify with a co-applicant.

Can I apply with someone else?

Yes, joint applications are allowed.

Can I refinance my current car loan?

Yes — it can lower your repayments or get you a better rate.

Can I trade in my old car as a deposit?

Yes, many lenders accept trade-ins toward the deposit.

Can nurses get car finance?

Yes — see nurse-specific finance tips.

Can teachers apply while on contract?

Yes. Read how to get approved.

Do defence personnel get special car loan rates?

Yes, in some cases. Your job security is a major advantage.

Can FIFO government workers apply?

Yes — consistency in income matters more than job location.

Can I apply if I’m on maternity leave?

Yes, especially if you’re returning to work. Here’s how.

Can I use car finance to buy interstate?

Yes — just make sure the seller provides all required documents.

Can I finance a car from an auction?

Yes, but only through select lenders. Ask your broker first.

Will applying hurt my credit score?

Only if you apply to multiple lenders directly. Brokers help protect your score.

Can I get a car loan if I’ve been bankrupt before?

Yes — see bad credit car loan options.

What if I want to upgrade my car before the loan ends?

You can sell the car, pay off the loan early, or refinance.