MFAA Member · ACL 389328 · Same-Day Approvals
Car Loan — Car loans, Australia-wide.
Personal or business. New or used. We know which lender wants which kind of car and structure the right finance — personal loan, chattel mortgage, or novated lease — for your tax position and use case.
Same-day decisions on most files.
We submit to lenders who specialise in asset finance. Most approvals come back within 24 hours — often same-day.
Three structures compared every time.
Personal loan vs chattel mortgage vs novated lease — different tax outcomes, different repayment structures, different fees. We compare all three before recommending.
No broker fee.
We're paid by the lender on settlement, not by you. Recommendations follow your situation, not the commission.
From first call to settlement
Easier than you'd think.
Send asset details
Make, model, est. price, est. trade-in, personal or ABN, target settlement date.
We compare 15+ lenders + 3 structures
Different lenders + structures for different files. We shortlist + recommend.
Submit + decide
Most approvals 24h. We coordinate dealer or private-seller settlement.
Settle + drive
Funds transfer to seller. You take delivery. Done.
Car & asset finance library
Browse car and asset finance guides
Browse our 2asset finance guides, grouped by topic and written in plain English. The full searchable library lives in The Lab.
Car and asset finance
2 guidesEligibility, documents and what lenders look for.
Frequently asked questions.
How long does a car loan approval take?
Most files approved within 24 hours from a complete application. Some lenders return decisions in minutes via automated decision platforms. Personal-use loans are typically decided soonest; chattel mortgages with ABN require slightly more documentation.
Should I get a personal car loan or a chattel mortgage?
Depends on whether you have an ABN with genuine business use of the vehicle. Chattel mortgages let you claim interest and depreciation against business income — but only if the use is genuinely for business. Personal loans don't have tax benefits but are faster to approve and have no ABN requirement.
What is a novated lease?
A salary-packaged car arrangement through your employer. The lender finances the car, your employer leases it (with running costs bundled in), and the repayments come out of your pre-tax salary. Tax-effective if your employer offers it and you're in the 30%+ marginal tax bracket. The car returns to the lessor at end of term unless you buy it out.
Can I finance a used car?
Yes — most lenders finance used cars up to 10 years old at settlement, sometimes older. Rate is typically slightly higher than new-car rates. Some lenders cap the maximum age the car can reach during the loan term (often 12-15 years), so longer terms on older cars may be restricted.
Can I refinance my existing car loan?
Yes — particularly if your existing rate is high or you took the loan through a dealer. Car-loan refinance is straightforward and can reduce the interest paid over the remaining term. We compare your current rate against the live market.
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