Car Loans

Finances 4U arranges finance for your next car, motorcycle, boat, van or trailer, through specialist vehicle lenders. We compare rates across the market, which often comes in sharper than the finance offered on the dealer floor, and we sort the paperwork so you can just enjoy the drive.

What you get

• A competitive rate with no hidden fees

• 100% finance available

• Tax-effective options for business buyers

• A structure tailored to you

• One finance specialist from first call to settlement

Car finance

A straightforward loan for a new, used or private-sale vehicle, often at a better rate than the dealer's.

Car lease

Stay in a newer vehicle on a package that suits your budget, with options at the end of the term.

Hire purchase

Hire the vehicle and own it outright once the final payment is made, with flexible terms for you or your business.

Chattel mortgage

A favourite for people in business: you own the vehicle from day one and may access tax and GST benefits through your accountant.

Novated leasing

Pay for your car and many of its running costs out of your pre-tax salary, through an arrangement between you, your employer and a financier. We coordinate the setup with your employer and accountant.

Bad-credit car loans

Most applicants can be placed with the right lender. We can also help you rebuild your credit position while you get back on the road.

How it works

1. Found the car? Tell us about it, or the price range you are working to.

2. We find the finance. We compare specialist vehicle lenders for a sharp rate and the right structure.

3. We settle it fast. Paperwork handled so you can pick up the keys.

4. We are here next time. Same again for your next vehicle.

What you'll need to get started

• Photo ID

• Income evidence (payslips or returns)

• Details of the vehicle, or the price range you are targeting

FAQ

• Is broker car finance cheaper than the dealership? It often is. Dealers earn a margin on their finance, while we compare specialist lenders across the market to find a sharper rate. It is always worth comparing before you sign on the floor.

• What is a novated lease and who is it for? A novated lease lets you pay for a car and many running costs from your pre-tax salary, through an arrangement between you, your employer and a financier. It suits many salaried employees, and we coordinate the setup.

• Can I get a car loan with bad credit? Usually, yes. Specialist lenders look beyond a single credit event, and we know which ones to approach. We can also suggest steps to improve your position.

• Can I finance a car bought privately? Yes. We arrange finance for new, used and private-sale vehicles, not just dealer purchases.

• How much can I borrow for a car? It depends on your income, expenses and the vehicle, and many lenders offer up to 100% finance. We confirm what you can borrow before you start shopping.