Vehicle Finance & Leasing

What's stopping you from getting the vehicle you love?

Borrow up to 100% of the vehicle's purchase price.


Spending a lump sum of cash on a car is not always feasible, especially if you have other financial commitments or saving goals.


A car loan is helpful, therefore, for buying the car you love with repayments you can afford and terms that suit you.

We've been helping Australians with car finance for a long time.
Avoiding dealer finance might help you save on extra fees, commissions or high-interest rates.

Fast Approvals

Competitive Rates

New or Used

What is a car loan?

A car loan is a type of personal loan taken out for the purpose of buying a new or used motor vehicle such as a passenger car, van, truck, motorbike, ute or 4WD.


A car loan may be secured or unsecured. A secured loan is one where you offer ‘collateral’ (usually the car itself) as security to the lender. If you fail to make your repayments, they may repossess or force the same of the vehicle to recoup their costs. If the sale value of the vehicle doesn't cover the full amount you owe, you would also have to pay the balance.

On the other hand, unsecured loans do not require any collateral. Instead, the lender will rely on your credit score to approve the loan. Unsecured loans generally have higher interest rates and lower borrowing limits.

Car Dealership

Is there a difference between a new and used car loan?

New car loan

A new car loan applies to vehicles that are brand new, although some lenders will allow a new car loan for a vehicle that is 1, 2, or even 3 years old. A new car loan will usually be secured by the car. In some cases, the loan interest rate is linked to the vehicle value, with a higher value attracting a lower rate of interest.

Used car loan

A used car loan applies to vehicles up to 5 or 6 years old and that do not qualify for a new car loan. A used car loan is usually secured by the value of the car.

Unsecured car loan

An unsecured car loan may be available for buying a car that is older than 5 or 6 years old and that does not qualify for a used car loan. Unsecured car loans typically have higher interest rates than secured car loans.

Secured car loan

Secured loans are designed for people purchasing for private use. The vehicle purchased is used by the lender as security for the loan, often allowing a lower interest rate in return. 

Flexible Options

We know that everyone’s circumstances are different, so we also offer a handy “balloon” payment option.


This option allows for lower monthly payments with a larger payment at the end of the loan term called a balloon payment. This final payment typically totals 20-50% of the loan value and may be partially or wholly recouped (depending on the terms and vehicle) by the sale of the vehicle.

White Minibuses

Did you know... We also finance consumer loans and commercial cars?

We can help to arrange finance for boats, motorbikes, jet skis and other registrable items. 

Find out your estimated monthly repayments using our vehicle financing calculator.   

Let's Talk

Call (02) 8313 8400 to talk with a loan specialist or email us at