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.
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’ cashflow 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!
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.
Choose a Loanright Broker to be your advocate
There are hundreds of car loan products available for both businesses and individuals, so why would you limit yourself to what your bank has available? As Finance Brokers we listen to you to understand YOUR needs, then we compare a variety of car loan products available from Australia’s leading lending institutions.
Keep Competition Alive
We work with multiple lenders, to keep competition alive.
If Finance Brokers were not in business, competition and choice in the car loan industry would decline. Bank power and the risk of higher interest rates would increase, leaving Australian’s to pay the price.
Once we’ve established which car loan suits your needs, we’ll get to work on your application, complete all the paperwork and submit it to the bank on your behalf. Our aim is to save you time and stress, and to get things moving as quickly as possible so you can pick up your new wheels sooner.
With You For Life
As a business built on referrals and repeat business, we provide personalised, excellent service to all of our clients in order to earn your trust. We plan to be here for a long time and consider our clients ‘clients for life’.
If you deal with one of our brokers today, they will be here for your next big financial event.
Car Loan FAQ's
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
You can get started online, or give us a call on 1800 115 626.