Your Fast Lane to a Better Car Loan. We Negotiate Your Best Rate from Over 80 Lenders.
Car Finance Australia: Better Rates, Faster Approvals
Whether it’s your first car, a weekend adventurer, or a new vehicle for your business, don’t let the banks slow you down. We do the legwork, comparing hundreds of loan products from a huge panel of lenders to find you the cheapest rates and most flexible terms. Get behind the wheel faster, with a deal that’s right for you.
Car Finance Options for Every Driver
Our expert brokers will help you navigate the options to find the perfect loan structure for your needs.
Secured Car Loan
The most common type of personal car loan. The vehicle you're buying is used as security for the loan, which allows lenders to offer you a lower interest rate. This is ideal for new and used cars purchased from dealers or private sellers.
Unsecured Personal Loan
A flexible option if you prefer not to use the car as security. This can be suitable for older, classic cars, or when you want to bundle other expenses with your purchase.
Business Car Finance (Chattel Mortgage)
The go-to choice for ABN holders. Your business owns the car from day one, allowing you to claim GST on the purchase price, as well as depreciation and interest costs as tax deductions.
Bad Credit Car Loans
A poor credit history doesn't have to be a roadblock. We have strong relationships with specialist lenders who are more flexible than the major banks and can provide second-chance finance options
No Deposit Car Finance
Want to keep your cash in the bank? We can arrange 100% finance for approved applicants, so you can get on the road with no upfront cost.
The CompareFin Advantage: Why Car Buyers Choose Us
| Why | How |
|---|---|
| We Handle the Hassle | Forget endless paperwork and confusing jargon. Your dedicated broker manages the entire process, from application to liaising with the dealer or private seller, ensuring a smooth settlement. |
| Private Sales & Dealerships | Found the perfect car from a private seller or at a dealership anywhere in Australia? No problem. Our service covers all purchase types, giving you complete freedom of choice. |
| Pre-Approval Power | Get pre-approved finance before you even start shopping. This gives you the power to negotiate like a cash buyer and find the perfect car with confidence. |
| Cheaper Interest Rates | This is our core promise. With access to over 80 lenders, we create a competitive environment where banks and financiers fight for your business, driving your rate down. |
Your 3-Step Journey to the Driver's Seat
Get Your Free Quote (60 secs)
Tell us about the car you want and a few details about yourself. It's fast, easy, and won't affect your credit rating.
We Find Your Best Deal
Your personal broker compares hundreds of loans to find the perfect match. We'll present you with the best options and handle all the lender negotiations.
Drive Away Happy:
You choose the loan you want, sign the documents digitally, and we'll arrange the payment to the seller. All that's left to do is pick up your keys!
Frequently Asked Questions (FAQ)
Can I get car finance if I have bad credit?
Yes, it's often possible. We specialize in bad credit car loans and work with a panel of non-bank lenders who are more flexible than traditional banks. They will look at your overall financial situation, not just your credit score.
Can I get a loan for a car from a private seller?
Absolutely. We can arrange finance for cars purchased from dealerships, private sellers, and even at auction. We'll even help with the paperwork and checks to ensure the private sale is secure.
What's the difference between a secured and unsecured car loan?
With a secured loan, the car itself is used as collateral, which usually results in a lower interest rate. An unsecured loan doesn't use the car as security, which offers more flexibility but typically comes with a slightly higher interest rate.
Do I need a deposit for car finance?
Not necessarily. We offer no-deposit car finance options for approved customers, allowing you to finance 100% of the vehicle's purchase price.
How quickly can I get approved?
We pride ourselves on a fast, streamlined process. For many applications, we can secure pre-approval within a few hours and achieve full approval within 24 hours, helping you secure your car quickly.
What is a comparison rate?
The comparison rate helps you understand the true cost of a loan. It includes the interest rate plus most fees and charges (like application and monthly fees), giving you a more accurate picture of the total cost than the interest rate alone.