Need Car Finance Soon? Request a Broker Callback
Car died, new job starting, or found the right car and don't want to lose it? Tell us your situation and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- People whose car has broken down or been written off: and need a replacement to get to work
- New starters: who need a car to begin a job or a new site
- Buyers who have found a car: and want finance sorted before someone else buys it
- Self-employed and ABN holders: who need a work vehicle on the road
- Families: needing a bigger car for a new arrival or a move
- People with less-than-perfect credit: who want to know where they stand before they shop
What actually slows a car loan down
No broker or lender can honestly promise an approval by a certain time. Every application has to be assessed, and lenders must check your finances under responsible lending rules. What you can control is how many delays you cause along the way. The common ones:
| Common delay | What you can do |
|---|---|
| Missing or unclear documents | Gather ID, payslips and bank statements before you apply, as full PDFs downloaded from your bank |
| Unexplained transactions or debts | Be upfront about every loan, credit card and buy now pay later account, and be ready to explain one-off payments |
| Shopping before you know your limit | Get pre-approval first so you know what you can borrow before you negotiate |
| A car the lender won't finance | Check age, kilometres and seller type with your broker before you pay a deposit |
| Employer or income checks | Let your employer know a lender may call, and have your contract ready if you've just started |
| Slow private sale paperwork | Get the VIN, registration and seller's details early so the lender can check for money owing |
Get pre-approved before you shop
Pre-approval means a lender has looked at your situation and agreed, in principle, to lend up to an amount, subject to conditions and the car itself. It lets you negotiate as a ready buyer and avoids falling for a car you can't finance. It isn't final approval: the lender still checks the car and confirms nothing has changed before settlement.
Avoid applying with several lenders at once to speed things up. Each application can leave an enquiry on your credit file for five years, and multiple recent enquiries can make lenders more cautious. A broker can compare options without you lodging lots of separate applications.
How it works
- Tell us about your situation and the car in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Driver licence and a second form of ID
- Two or three recent payslips, or an employment contract if you have just started
- Recent bank statements for your everyday account
- Details of existing debts: loans, credit cards, buy now pay later and rent or mortgage
- Car details if you have found one: dealer invoice, or private seller details with the VIN
- Self-employed: recent BAS or tax returns and business bank statements
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Car finance guides
- How to avoid delays getting car finance approved
- Why is your car loan taking so long?
- Car finance checklist: documents you need
- Can you finalise a car loan on the weekend?
- Buying a car with finance: what to expect
- Should you apply for multiple pre-approvals?
- Just started a new job and need a car loan?
- Car finance
Common questions
How quickly will a broker call me?
A licensed broker usually calls within one business day of your enquiry. Having your documents ready before that call is the best way to keep things moving.
Can approval be promised by a certain day?
No. Approval depends on the lender's assessment of your finances and the car, and timing depends on the lender and how quickly documents are provided. Anyone promising otherwise should be treated with caution.
Should I find the car first or get finance first?
Getting pre-approval first usually avoids delays. You'll know your limit, and your broker can confirm the lender will accept the car before you commit.
Can I buy from a private seller?
Many lenders finance private sales. They'll need the VIN and seller's details to confirm there's no money owing on the car, which can add a step compared with buying from a dealer.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.