Vehicle loans for every kind of ride

We can finance a wide range of vehicles - cars, utes, vans, trucks, motorbikes, caravans, boats, jet skis and more. If it's got wheels or floats, there's a good chance we can help, whether you're buying new or used, from a dealer or privately. For specific types, we also have dedicated pages for car loans, motorbike loans, caravan loans, and boat and jet ski loans. All lending is subject to eligibility, lender criteria, and approval

It's designed to be straightforward. You apply online and provide a few documents, then we assess your situation and work to match you with a suitable lender from our panel. Timeframes vary with the lender and how complex your application is, but with everything in, some approvals come through the same day. Once you're approved and signed, funds are often available the same or next day. Approval is subject to meeting lending criteria, and an affordability test applies.

Loan amounts typically range from $3,000 to $100,000 or more, depending on your financial profile and the lender's criteria. The value of the vehicle, your income, and your credit history all play a part in how much you can borrow. 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.

Your rate is personalised. It's based on things like your credit history, the loan details, and the security on the loan - if the vehicle is used as security, that can mean a lower rate. 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).

Vehicle 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 better rate. Subject to eligibility and lender criteria.

Is a vehicle loan secured against the vehicle?

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, 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.