Buy your next car your way with a vehicle finance ninja
Fast car finance. Our Finance Ninjas are here to help you drive away today with personalised support, making the financing process quick and hassle-free. Standard credit criteria apply.
Vehicle financing should be as unique as your car.
Securing a pre-approved car loan is a powerful tool that can significantly enhance your car-buying experience. By having a pre-approved loan, you know how much you can afford before you visit the car yard.
*Approval subject to lending criteria and affordability assessment.
Accelerate your car loan approval
Connecting with a Vehicle Finance Ninja is the first step towards securing the a competitive loan for your next vehicle.
Tell us what you're shopping for
Contact a Vehicle Finance Ninja to talk about the vehicle you're looking for.
We'll secure your finance
Our team works tirelessly to secure competitive rates to fit your circumstances.
You'll get the confidence to negotiate
You're now in a position to negotiate a great deal on that vehicle.
Empower your search for your new car with pre-approved finance
Knowing your financing options before you start looking for a car puts you in a stronger position. Understanding how much you can comfortably borrow allows you to focus on vehicles within your budget.
Securing pre-approved finance with us means you'll have a clear understanding of your interest rate and repayment terms, empowering you to make informed decisions at the dealership.
Shop with clarity
Having pre-approved finance lets you know exactly what you can afford, allowing you to concentrate on finding the right car without the pressure of on-the-spot financing decisions.
Unlock a great deal
Securing your finance beforehand allows you to negotiate the vehicle's price as a separate transaction, potentially leading to a better overall deal.
"Thanks to Car Money, I secured the perfect loan for my car quickly and easily! Their team made the entire process seamless and stress-free."
Frequently asked questions
Find answers to your most pressing questions about financing your car with us.
How much can I borrow for a car loan?
We work with a range of needs, from loans starting at $3,000 to $100,000. The most important factor in determining how much you can borrow is affordability – or how much the repayments will be compared to how much disposable income you have. We work this out based on your current income and expenses.
What interest rate do you charge on car loans?
Your interest rate is personalised to your circumstances, and you can be sure it will be competitive. Interest rates vary depending on your profile – your credit rating and other factor lenders take into consideration like how well you have paid off loans in the past, whether you are a home owner etc.
How long is the car loan term?
Loan terms depend on two things (1) how long you want the loan for and (2) affordability – how much you can comfortably afford to repay monthly. Once this has been determined, a term of between one and five years is fixed.
How long does it take to get a car loan approved?
We aim to respond to car loan applications within two hours wherever possible. If your application is urgent, call us at 0800 100 050 after submitting your loan application.
Can I get a car loan while on a benefit?
Yes, we provide car loans to clients on benefits. Loan approval depends on affordability, the loan size, and the type of vehicle you’re purchasing.
Can I get pre-approved for a car loan before choosing a vehicle?
Absolutely! Pre-approval is available even if you haven’t picked a specific car yet. Including a type of car in your application can be helpful, and you can change your vehicle choice before finalising the loan.
Can I adjust the loan amount after approval?
Yes, you can adjust the loan amount after approval if needed. We make it easy to accommodate changes to your car loan.
What is a Guarantor?
A Guarantor is someone who supports your car loan application by signing the same contract and agreeing to make payments if you are unable to meet your commitments.
Can I get a car loan with a learner license?
Absolutely – we can help people on a learner license. The application process is the same as for someone on a full license.
How do I make car loan repayments?
It’s really up to you. Payments can be made weekly, fortnightly or monthly using an Automatic Payment from your bank account or by using a Direct Debit to make things easier for you.
Can I repay my car loan early?
Yes, you can pay off your car loan before the end of the term. Early repayment allows you to save on interest and become debt-free sooner. However, early repayment fees may apply, so be sure to understand what these are before paying off your loan early.
Is there an establishment fee for car loans?
Yes, there is an establishment fee of up to $450 and an introducer fee of up to $995.
Still have questions?
Ready to unleash the power of our financial ninjas?
Terms:
*Fixed interest rates for vehicle and personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender.
Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer.
Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
One hour application decision subject to affordability test, the applicant meeting the lending criteria and supplying all the required information to process the loan application.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.