Hybrid car loans, sorted.

We can help finance both new and used hybrid vehicles. Whether you’re buying from a dealership or a private seller, we’ll assess your situation and work to match you with a suitable lender. Subject to eligibility, lender criteria, and approval.

The value of the hybrid, your income, and your credit history will all influence how much you can borrow. Loan amounts are tailored to your situation and borrowing capacity. Subject to lender criteria and approval.

Loan terms generally range from one to five years. A shorter term means higher repayments but less interest paid overall, while a longer term lowers your regular payments but may cost more in total interest. We’ll help you find the right balance for your budget. Subject to lender criteria and approval.

Not necessarily - hybrid car loans are assessed in much the same way as standard car loans. Your rate is personalised, based on things like your credit history, income, and the loan details. You can see the current rate range in the Loan Information section below, and use the calculator to get a feel for repayments (a guide only until we assess your application).

Hybrid car loans usually have an establishment fee and an introducer fee. Some lenders also charge a PPSR fee or ongoing account fees. We’ll spell out every fee before you go ahead, so there are no surprises. Full fee details, including a worked example, are in the Loan Information section below and in your loan contract.

Not necessarily - many lenders will finance up to 100% of the vehicle’s value, so no-deposit lending can be an option. Putting down a deposit isn’t required, but it can strengthen your application, reduce your loan amount, and may help you get a lower interest rate. Subject to eligibility and lender criteria.

Usually, yes. Most hybrid car loans are secured against the vehicle you’re buying, which can help you get a better rate. Some lenders offer unsecured options too. Which one suits you comes down to your situation - we’ll talk you through it.

We work with lenders who look at the full picture, not just your credit score. If you have a steady income and can comfortably afford the repayments, there may be options available. Rates may be higher for lower credit profiles, and it’s never guaranteed, but getting started and keeping up with repayments can also help rebuild your credit over time. All lending is subject to eligibility, lender criteria, and approval.

Yes - being self-employed doesn’t rule you out. Lenders will usually want to see proof of income, like bank statements or financial records, to understand what you can comfortably repay. We’ll let you know what’s needed.

When you start an application, we run a soft credit check to size up your options - and a soft check doesn’t affect your credit score. It’s only if you go ahead with a lender, and they run a full credit check, that it’s recorded on your credit file and may affect your score. Applying with several providers can mean several checks.

Yes, in most cases you can make early or lump-sum repayments, which can reduce the total interest you pay. Some lenders charge an early repayment fee, so it’s worth checking your loan contract before you go ahead.

Get in touch with your lender as soon as you can - the earlier the better. Missing a repayment may mean fees and could affect your credit score, so keeping the lines open is the most important thing. Lenders can often work something out if they know early.