We get tons of questions on a weekly basis from people who are looking for bank-beating car finance. So we thought we’d compile a list of the most common car finance questions that we get asked so you can stay up to date and informed before making your next car purchase.

#1 What documents do I need when I apply?

This will vary depending on your current circumstances and what type of asset you’re looking to finance. Generally, you will need identification in the form of your driver’s licence and Medicare card. You will also need proof of address such as a utility bill and you will also need to provide previous payslips to prove your income. Once you submit your application through our online system, you will be given a list of documents you will need to provide by your personal Finance Consultant. If you have any trouble getting any of these documents, simply speak to your Finance Consultant.

#2 Should I find a vehicle or arrange finance first?

We recommend securing a finance pre-approval prior to looking for a vehicle. This has several advantages, firstly, it’s like shopping with the money in your ‘back pocket’, so the minute you find that perfect vehicle, you’re able to make an offer. In addition, it gives you the power to negotiate with either private sellers or dealerships because you are ready to purchase today.

#3 What will my car loan repayments be each week?

Once your loan has been approved, which in many cases can be the same day you apply, your personal Finance Consultant will be able to tell you exactly what your weekly or monthly finance repayments will be before you commit to the finance contract. Remember it is completely obligation-free. You can also get a rough idea of what your finance repayments will be by using our personalised Instant Online Quote system.

#4 How much deposit do I need for car finance?

We have established relationships and accreditations with over 40 of Australia’s leading financiers who offer bank-beating finance packages and in most cases, can also offer no-deposit, 100% finance options. Speak to your Finance Consultant today on 1800 538 287 for more information or to discuss your individual circumstances.

#5 I am self-employed; can you arrange my car finance?

Yes, we can! We have access to dozens of packages from several different financiers to suit self-employed people, whether your vehicle is for personal or private use or both.

#6 Do you arrange finance for people on Centrelink?

Yes, we can! We have a multitude of lenders who will consider Centrelink as a partial or full income source and can provide affordable and flexible finance options. Simply speak to our friendly team today on 1800 538 287 and you could be driving away with your new wheel tomorrow.

#7 Can I still get finance with bad credit?

Yes, you can! We have a number of lenders who are willing to assist our clients who have paid defaults. We also have access to lenders who will consider applicants with unpaid defaults and who are ex-bankrupts depending on your overall profile and the reason for the default/s or bankruptcy.

#8 How Do I Apply?

Applying is quick and easy with our online applications and instant online quote system. Get an obligation-free quote to calculate your approximate monthly repayments and one of our friendly Finance Consultants will get in touch with you to discuss your finance needs or Apply Online today to get the ball rolling and secure your low-rate approval as fast as possible.

Still Have Questions?

If you still have questions regarding car finance, please feel free to visit our frequently asked questions section or alternatively give our friendly Finance Consultants a call on 1800 538 287, they’ll be more than happy to answer any questions that you may have and chat to you about your finance options.