FAQ's

It can depend wildly from lender to lender. Approvals can be automatic meaning you could get an approval within an hour, other lenders manually assess which can take up to 24-48 hours. With a private sale vehicle loan, there are additional checks that need to be performed such as a vehicle inspection to make sure that the car is in good physical condition – this is all done electronically but allow some extra time for this to occur.

The amount you can borrow depends on your overall profile taking into consideration residential status, credit score, previous loan history and stability in your current job. Some lenders do not have a cap on how much you can borrow if serviceability for the loan is evident.

A secured car loan means the lenders puts an encumbrance on the vehicle so they can repossess it if payments stop being made. Because this limits the risk on the lender, secured asset loan rates are often better. The payment for the loan will get deposited directly into the dealer or vendors bank account. A personal loan however is usually unsecured and the money just gets transferred into your bank account. Personal rates generally carry higher rates however, so this is something to consider.

Initial inquiries with us will not have any affect on your credit rating at all. We run all your credit checks prior to submitting any application – this ensures that we can protect your credit rating by having expertise of knowing which lender to pick in order to maximise approval chances first time. It is only once an application is submitted to the lender will a credit inquiry show up on your credit file.

We can source funding for pretty much any asset aside from houses! This includes, but not limited to, cars, SUVs, 4x4s, utes, caravans, motor-homes, small and large trucks, boats, jet skis, motorbikes, commercial equipment e.g. diggers, bulldozers and office equipment. If you have a specific asset in mind, just give us a call to discuss!

We have many insurance options to cover you for piece of mind. Whether this be an extended warranty, roadside assistance or asset protection insurance, we have you covered.

Yes we certainly can. We do multiple checks with every application to ascertain credit worthiness. From your credit report, we can then suggest a suitable lender to secure finance approval. We have lots of options for people with bad credit, be it missed payments, repossession, part IX agreements or discharged bankrupts.