Generally, you must be at least 18 years old, have a steady income, and be an Australian citizen or permanent resident. Lenders will also consider your credit history and financial situation.

The amount you can borrow depends on your income, credit history, and the lender’s policies.

Interest rates vary depending on the lender, loan type, and your credit profile.

Yes, it’s possible to get a car loan with bad credit, but the interest rates may be higher, and the loan terms less favourable. Some lenders specialise in bad credit loans.

Typically, you’ll need identification, proof of income, bank statements, details of assets and liabilities, and information about the car you’re purchasing.

Approval times vary, but many lenders can provide approval within 24 to 48 hours, especially if all required documents are submitted.

Yes, most lenders allow early repayment, but some may charge an early repayment fee. It’s best to check your loan agreement for specific terms.

A fixed rate offers stability with set payments, while a variable rate may fluctuate with market conditions. The best choice depends on your financial situation and risk tolerance.

Yes, car loans can be used to finance both new and used vehicles. However, the vehicle’s age and condition may affect the loan terms.

We can arrange a pre-approval so you are ‘buyer ready’.

You can purchase from a dealer or private. We can also help with suggestions, or you can choose yourself