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Drive away with the right finance.

New car, used car, ute for the business, or equipment for the workshop, we compare across our asset finance panel and arrange it fast, often within 24 to 48 hours.

Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.

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Car & Asset Finance

Skip the dealership finance desk.

Dealer and broker-arranged finance can differ in rates, fees, balloon payments and conditions. We compare suitable options from our panel with any offer you provide so you can assess the total costs.

We arrange finance for new and used cars, utes, vans, motorbikes, and business equipment, from coffee machines to excavators. Because we work with a dedicated panel of asset lenders, we can usually match or beat dealer offers, and approvals often land within 24 to 48 hours, so you can negotiate at the dealership as a cash buyer.

For business owners, the right structure matters as much as the rate: chattel mortgage, finance lease, or low-doc options for ABN holders, each has different tax and cash-flow consequences. We'll line up the structure with how you actually use the asset (your accountant can confirm the tax side).

Why it works

Why finance your wheels through us

Check the Dealer's Rate

We compare our full asset panel against the dealership offer. Walking in with finance pre-arranged also makes you a stronger negotiator on the price itself.

Application Follow-up

We help prepare the documents and follow up with your lender. Approval and timing depend on lender assessment and any conditions.

Structures That Suit

Personal loan, chattel mortgage, lease, balloon or no balloon, we explain the real cost of each option so the repayment fits your cash flow.

Run the numbers

Car loan calculator

Estimate repayments, with or without a balloon (residual) payment.

Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.

Monthly repayment
$716 /mo
Balloon due at end
$13,500
Total of payments
$56,434

Estimates only. Assumes a fixed rate with equal monthly repayments and the balloon paid as a lump sum at the end of the term. Excludes fees and charges. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.

Common questions

Car & Asset Finance FAQs

Is broker car finance cheaper than dealer finance?
Not necessarily. Compare the interest rate, comparison rate where applicable, fees, term and any balloon payment. We can help you assess a dealer offer against suitable options from our panel.
What is a balloon payment and should I have one?
A balloon (or residual) is a lump sum left owing at the end of the loan, which lowers your monthly repayments but means you still owe, say, 30% of the original amount at the end. It can increase total interest. You need a plan to pay the lump sum; refinancing or selling the vehicle for enough to repay it is not assured. We will show you both ways.
Can I get car finance if I'm self-employed?
Yes, asset lenders are generally flexible with ABN holders, and low-doc options exist where full financials are not available. Rates depend on your circumstances, but approval depends on income evidence, commitments and lender criteria.
Should my business buy the car on a chattel mortgage?
A chattel mortgage is the most common structure for business vehicles, the business owns the asset from day one and may claim depreciation, interest, and GST credits depending on its situation. Whether it beats a lease or hire purchase depends on your tax position, so we'll coordinate with your accountant.
How fast can finance be approved?
Timing depends on your documents, the vehicle and lender assessment. Tell us any deadline before committing to a purchase. We can check current lender expectations, but cannot promise an approval date.

Found the car? Get the finance sorted.

Send an enquiry with what you're buying and we'll come back with options, once we have the information needed to assess your circumstances.

Get StartedCall 0426 299 702
Get in touch

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Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy policy. Daniel Toukan, Credit Representative Number 577748, is authorised under Australian Credit Licence 384324 held by Outsource Financial Pty Ltd.

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