I want to borrow...

$5,000
$5,000
$50,000
12 months
12 months
60 months
rate 9.95%
9.95%
rate 29.95%
Repayments from $103 per week
Repayments from $445 per month

FAQs

How much can I borrow?

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. The lender will take this into account when considering your application.

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What interest rate do you charge?

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.

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How long is the term of the loan?

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.

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How long does it take to get an answer?

Wherever possible, we aim to get back to you within two hours. If your application is urgent, please call us on 0800 666 021 after submitting the loan application.

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Do you help clients on the benefit?

Yes we do – it all comes down to affordability and the size of loan and type of vehicle purchasing. Our lenders will assess your eligibility for a loan.

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Can I get my loan approved before I have picked a vehicle?

Yes. If you have a type of car in mind, it’s also helpful to include it in your application. You can change the vehicle when you have decided on a vehicle before finalising your loan.

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Can I change the loan amount after it is approved?

Yes, at any stage prior to the loan agreements being signed, the loan amount can be reduced or increased, subject to the lender approval.

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What is a Guarantor?

A Guarantor is a person who supports you obtaining finance. They will be required to signs the same contract and agree to make payments if the primarily client does meet their commitments.

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Can I buy a car from an auction?

Yes, this is like buying a car privately. However it is best to get approved for the type of vehicle you are looking for before the auction. That way you know how much you have to spend when bidding and no nasty surprises.

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Can you help if we have a bad credit history?

Yes, we regularly get loans approved for customers with bad credit. The same application process applies and we are experts in helping customers get approved.

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How do I make payments to the loan?

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.

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Do you help with insurance?

Yes, we can help you to access comprehensive motor vehicle cover and because we have all your details (after loan application) to hand, it is really simple and quick. One of the many benefits of getting your car loan through us.

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Is there a minimum age for a loan?

Yes, 18 is the minimum age to enter into a contract

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Can I apply for a loan with a learner license?

Absolutely – we can access product for people on a Learner License and the application process is the same as for someone on a full license.

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Can I pay the loan off before the end of term?

Yes.

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Is there an establishment fee?

Yes, there is an establishment fee of up to $450 and an introducer fee of up to $995.

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IMPORTANT INFORMATION

1. *Fixed interest rates 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.

2. Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995. A loan of $5,000 over 12 months at 10.95% p.a. has fees totalling $495 and a total repayment of $5,832.00 equating to 12 monthly payments of $486.00.

3. Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan. We don't provide advice on whether a particular car loan offered by a lender is suitable for you.

4. 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.

5. Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.

†The three month no repayment option (where you defer your repayments for three months) is subject to lender approval. If you take up the three months deferred repayment option, you must still repay the full amount of the loan together with all interest and fees, but payment will not begin until three months after the loan is advanced. At the end of the deferred repayment period, the amount of unpaid interest and fees from that period will be added to, and form part of, the loan balance.