Car finance from 2.85% p.a.

(3.93% p.a. Comparison Rate)

Low rate car finance and same day approvals. See yourself how much can you save on your car loan.

Lock in a great car finance rate with Finance-experts

Thinking of buying your dream car? Finance-experts offers a complete range of car finance options to suit all needs.

Save more on your car finance

Saving on car finance is made easy by approaching a car finance broker like Finance-experts. Looking for car finance can prove to be a time-consuming task. If you are in the market for a new car, looking for the most competitive car finance option can take as much time – if not more. Though we all know what we want when it comes to car features be it leather seats, infotainment, turbo, or traction control; it’s harder to pick which car finance deal is right for you. Finance-experts brokers find loans from over 25 lenders and work hard to ensure you’ve got the most competitive deal..

Fast and easy applications

Applying with us is fast and easy – and you can complete the process online. Using the latest in technology we can process your application with a minimum of delay. Our automated systems are 100% secure and you can complete the process within the same day (though this can vary.) If you have questions, your dedicated loan consultant is on hand to provide answers and guidance through the whole process. We help people with bad credit gain car finance too – ask a loan consultant for more information.

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See how Finance-experts can help you in your car loan

Comparing lenders can help you get great rates and save thousands! Compare Australia’s top lenders with us and save.

Compare and save

Compare and save with Finance-experts. Finance-experts will shop your deal from multiple lenders to get you the best deal.

Same day approvals

Our application is fast & easy. Finance-experts has the systems, technology and consultants for fast approval.

Low rates

Finance-experts, through its lending panel can provide you with some of the competitive rates on the market.

Access to multiple lenders

We have access to Australia’s top financiers and lenders so we find you the best car loan deal.

100% finance

Finance-experts can provide 100% finance and all types of insurance to make sure you have adequate protection.

Obligation free application

All applications with Finance-experts are obligation free. We compare lenders, you choose.

How to get approved for a car loan and save more money?

Follow these tips to get approved with better rates

Fixed vs variable loans

Though not as common as their fixed counterparts, you can get a variable rate car loan. These are harder to budget for due to their rates being pegged by the official cash rate set by the RBA. You could experience reduced repayments if the market goes down; but increased payments if the rates go up.

Additional repayments

Making additional repayments on your loan can reduce your loan term and overall interest paid. The easiest way is to increase your repayment frequency from monthly to fortnightly payments, as you make 26 payments throughout the year, equivalent to an “extra” monthly payment. Some loans may allow you to make extra lump sum repayments, “top ups”, or increase your regular repayment amount without penalty. This helps reduce the amount of interest and your loan term.

100% finance and deposits

The best practice is to have at least 20% in deposit or trade-in value when buying a car. However, you can borrow 100% of the vehicles value in some instances, conditions may apply.

Bad credit car finance

If you have a lower than average credit score (600 or below, from a top score of 1200) you may find it difficult to obtain car finance. Options are available for people with bad or impaired credit to gain car loan approval. In most cases, these loans will have higher than average interest rates, due to increased risk on a lender’s part. Even so, it can be a pathway to car ownership.

Low doc car finance

For the entrepreneur or the self-employed, car finance can be a tricky path to navigate. Some sole traders cannot qualify for business car loans due to the 50% use case threshold. In that instance, they can opt for a low documentation or “low doc” loan, which uses fewer points of data to assess creditworthiness. This helps you get a car loan but may have higher interest rates as a result.

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What our customers say about their finance experience

Read how we've helped thousands of customers with their finance

Awesome experience

We have received such excellent customer service from Daniel Carter for each of our three loans and recommended him to friends and family. Daniel goes above and beyond to walk you through each step and nothing is ever too much trouble.

Michael

Awesome experience

Michael

Awesome experience

Michael

Got a question about your car loan?

Read through our knowledge base to find answers to all your common car loan questions

How do I apply?

You can apply for car finance online using our secure portal. Our automated process is secure and you can get your car finance approved within 24 hours.

What is a comparison rate?

A comparison rate is a tool you can use to ensure you are making an “apples for apples” comparison between two loans. Comparison rates, shown as a percentage per annum, include the usual base interest rate plus most mandatory fees. This means you can eliminate guesswork when putting two (or more) loans side by side.

What loan term should I choose?

You can choose car finance terms ranging from 12 months all the way to 7 years with our panel of lending options. However, the longer the term, the more you will pay in interest. A shorter loan term will require remarkably high repayments to fit the loan into that short a time.

What is a balloon payment?

A balloon payment is a portion of the loan set aside for payment when the loan term is up. This lump sum ranges from 20-50% of the total loan.

What are my options to finance a car for business use?

Customers who will use a car 50% or more for business use are encouraged to apply for a chattel mortgage or hire purchase loan. These loans have many tax benefits and other deductions not available in a consumer car loan.

I have bad credit; can I get car finance?

Yes, we’ve helped dozens of Australians get the car finance they need despite having bad credit. Ask your loan consultant for more information.

How much should I borrow?

Your borrowing power is determined by how much you can comfortably afford in repayments each month after deducting your expenses from income. However, the best practice is to aim to spend 10% of your monthly income as a total expenditure on your car as an absolute maximum.