The Sunshine Coast’s Most Competitive Car Loan Solutions
Low rate car loans, flexible loan terms, no deposit, same day approvals…whichever specific car loan features you’re after, we are up-to-date with Australia’s most competitive car loan solutions to match you with a loan that meets your needs.
We compare Australia’s leading bank and non-bank lenders to secure you a personalised car loan.
Your Finance Broker should be your first point of contact when you’re looking to purchase a new or used car. Why? We can arrange a finance pre-approval for you to ensure that you walk into the car dealership with the power to negotiate.
Car dealerships often advertise 0% finance offers – if it sounds too good to be true, it usually is. These 0% finance offers can take away your ability to negotiate on the price of the vehicle. The discounts and rebates that car manufacturers regularly offer disappear to allow the dealership to make up for the interest lost on the deal.
But if you’ve secured the sharpest car loan through a finance broker, then you can walk into the dealership and negotiate the lowest possible sale price on the vehicle. It’s a win-win scenario.
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Car Loans Or Fleet Finance For Your Business?
Are you looking to buy a new car or fleet of vehicles for your business?
We pride ourselves on finding and securing competitive, flexible car loans that work for your business. Allow us to secure you a feature-packed car loan from one of Australia’s leading lending institutions.
If you’re buying from a private seller or dealership, new or used, we can finance most cars.
We work with businesses of all sizes and can tailor a loan solution to suit your business’ cash flow or accounting structure.
We listen to you to understand your business’ requirements, then we apply our expert knowledge of car finance and the lending criteria of our lender partners to find the car loan that best suits your scenario.
All you have to do is tell us what you need, then we work hard to get your finance approved fast. We know time is money, so same day approvals are available in some cases. Just ask us!
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Car Loans For Individuals
Are you purchasing your first car? Perhaps you’re upgrading your vehicle to accommodate your growing family?
We’ll work with you to understand what sort of car loan suits your budget and lifestyle. Whether you’re looking for the lowest possible rate, a flexible loan term or no deposit options, we cater to your individual needs.
We have access to Australia’s leading bank and non-bank lenders, which means we can offer you the lowest car loan rates in the country.
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100+ lenders to compare & access Australia’s best rates
A quick video about our Finance Brokerage on the Sunshine Coast
What Vehicle Loan Can We Help With?
The Mortgage Broking Process For Invoice Finance
Getting a home loan isn’t always a walk in the park—it can be a bit of a process, but if you team up with one of our mortgage brokers, we’ll have your back every step of the way, making sure you’re on the right track from the get-go.
- Initial Chat: We’ll start with a detailed chat to find out what makes your business tick. What are your business goals? What does your cash flow look like? And what is your financial position?
- Collect your information: We’ll then send you a small checklist and some links to provide the information we need to analyze your options
- Discuss the options: Next, we’ll show you our findings and discuss the pros and cons of the options available. This may include cash flow modeling and the effects of loan costs on your P&L.
- Apply for the loan: Once you’ve decided exactly what limit, product, and structure you would prefer, we’ll get to work on arranging your approval.
- Draw down: Draw downs for Invoice finance work differently from most other loan types, as you’ll draw your loan down each time you create an invoice. Once your invoice is paid by the debtor, a portion of your loan is paid back. This cycle continues until such time that you no longer require the facility.
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Invoice Finance Support
So here’s how we keep things simple for you.
- Since Invoice Finance is an un-regulated finance product and security is taken over the invoices themselves, the application process is usually pretty simple. We have plenty of experience in these loan types and will make sure we take your loan to a lender that wants to work with you.
- Invoice Finance is a unique loan product. While it has its benefits, it also comes with very different fee structures. We’ll make sure you have a good understanding of these so that you can factor the costs into your business.
- Once your facility is approved, your accounts team will need some guidance on how to manage the invoices and draw funds down from your facility. We’ll make sure they have all the help they need so that payments aren’t missed, and you can focus on running your business.
- Invoice finance is often seen as a short-term solution. If your business is profitable, then it’s only a matter of time before your working capital catches up with your cash flow requirements. We’ll be here to analyse the numbers with you and make sure your business is comfortable without the facility before you finalise the loan.
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How Invoice Finance Helps Your Business Grow
Invoice finance can provide an almost immediate working capital injection for your business. This may be used to fund new jobs, clear ATO debt for future loan applications, buying stock, or covering wages. Working capital requirements are often quite high for rapidly growing businesses. If your business is growing fast, it may be worth chatting with us to see if Invoice Finance is a good solution for you.
Why Engage A Broker To Secure Invoice Finance?
Invoice Finance facilities are offered by some of the majors. However, these banks often require full vision on your trading figures and will generally want to hold property as security and take on any external lending facilities. We also have access to non-bank lenders who work specifically in the Invoice Finance space. Their approval process is fast. They won’t want to use your property as security, and their systems and processes are set up specifically to make sure that the ongoing management of your drawdowns and payments is smooth and simple. You don’t necessarily pay more for these lenders, and you don’t have to provide your organs in order to get the loan set.
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Customer Reviews & Comments
Instead of talking our finance brokerage up, read our customer reviews. This is a direct feed from our Google business reviews, so you know it’s 100% genuine.
Daniel O’Dea
12/4/2024
Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.
Ashley Pearce
12/3/2024
Luke and the team helped us with a refinance and we couldn’t be happier with the result. I would highly recommend the Loanright team to anyone.
Tim McGary
12/4/2024
OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.
Adrian Chrisanthou
12/4/2024
Thanks so much Brett for your professionalism and tenacity in regards to getting my deal done with loanright. I look forward doing business with you in the future as I found the experience seemless and timely. Keep up the great work Brett and team
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
Mellissa Lambert
17/1/2024
We’ve used the expertise of Luke, Shayna and the Loanright team on two separate occasions now, I must say their service is second to none and they get the job done In record time. No question was too silly, they always have time for us. Would use again and recommend in a heart beat to anyone else needing brokerage assistance. Many thanks.
Tegan Shingles
12/4/2024
Sam & Shayna have been fantastic throughout my whole processing of purchasing my new home. No question went unanswered and both have always been a pleasure to talk to.
Rosalyn Taylor
12/4/2024
Brett and Alicia were a fantastic team to work with. Efficient, knowledgeable and supportive. They made the process so much easier than it could have been. Highly recommend!
Cassie McKee
12/4/2024
Luke and Shayna were awesome during the process of us buying our first home. So many things can be confusing during the process for first time and they were always happy to talk us through things no matter how small. Held our hand through the process and were able to get us into our first home. Very glad we found them. Highly recommend Loanright
Alyshia Judd
12/2/2024
I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.
Felipe Prado
12/4/2024
We trust the Team at Loanright with our financial guidance. Throughout the whole process they make sure you are informed in time, accurately and with all the transparency you could ask for. It really sets you at ease that they have your best interest in mind. Their customer service is prestine and always available for you to ask any questions you may have. Thank you Loanright Team!
Kimberley Priest
12/4/2024
Have had the best experience working with these guys to purchase our investment property. Great application system, so quick and easy, and all questions answered promptly along the way. Highly recommend!
FAQ’s About Car Loans
How much can I borrow to purchase a car?
We’re all unique when it comes to our finances and borrowing capacity.
A lender will only approve a car loan if they are confident that you can afford the loan. Each person is different, so borrowing capacity differs from person to person.
Also, each bank or non-bank will use their own formula to calculate your borrowing capacity – so while Lender A may offer you a car loan for $50,000, Lender B may only offer you $45,000.
Contact us today. We can match you with a lender, and help with car loan calculations based on your circumstances.
What is the best car loan interest rate?
The interest rate depends on many factors, including the strength of the applicant, the age and cost of the vehicle and other lending criteria. We will find you the lowest rate available for your specific circumstances.
What is a pre-approved car loan?
A pre-approval is a formal document that outlines how much a lender is willing to lend to you to purchase a car. The pre-approved car loan will be for a specified amount.
A lender will assess your credit history, liabilities and assets before issuing a pre-approval.
How much do I need for a deposit?
We recommend a 20% deposit for a car loan. The benefit of a 20% deposit is that you become eligible for a wider range of car loan products and therefore more competitive interest rates.
It would also reduce your overall repayments.
However, we do have access to ‘no deposit’ car loan products as well.
What will my repayments be?
There are so many different loan products, some with lower introductory rates, so we really need to talk to you to understand your needs, before we can quote your repayments. Talk to us today to see what’s currently on offer from our lending partners. We’ll work with you to find a loan set-up that’s right for you.
What term can my car loan be over?
The majority of people choose a 5-year term for a car loan.
However, we have access to car loan products with loan terms from 2-10 years, so just let us know what you’re after.
What is a residual or balloon payment?
Some lenders will offer borrowers reduced repayments in return for a one-off lump sum – called a residual or balloon payment – that the borrower has to pay at the end of the car loan.
The benefit of a balloon payment is that it can lower your repayments. However, on the other hand you end up paying more interest on a car loan with a balloon payment as you’re paying interest on the value of the balloon payment.
How often do I make car loan repayments — weekly, fortnightly or monthly?
Most lenders offer flexible repayment options to suit your pay cycle. We recommend that you aim for weekly or fortnightly repayments (as opposed to monthly). In doing so you will make more payments in a year, which will shave dollars and time off your car loan.
Can I buy a car privately or can I only buy from a car dealership?
Yes, we can arrange finance for private car purchases. Whether you’re buying from a private seller or dealership, new or used, we can arrange car loans for most vehicles.
What documents do I need to apply for a car loan?
We’ll send you a privacy form which you will need to sign and return before we can proceed. You also need to provide bank statements, drivers licence and your recent payslips.
As your loan proceeds, we’ll let you know if the lender requests any additional information. Our promise is to make the process as simple as possible.
What happens when my car loan is approved?
When your car loan is approved, we’ll organise a time and place to meet so that you can sign the documents. You can meet us in our office, or we’ll come to you!
You can usually pick up your new car within 24 hours of signing the loan documents.
How do I apply for a car loan?
You can get started online, or give us a call on 1800 115 626.
Get In Touch With A Broker Near You
If you’d like more information about how to use finance to grow your business, then reach out and our commercial finance team will happily assist. Whether you’re in the market for vehicle finance, or specialist equipment, we have 100+ lending partners to choose from. You’ll be tapping into Australia’s largest network of banks and lenders.