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Simply visit our ‘apply now’ page and fill in your details. We’ll get in touch to complete your application which will take about 10 minutes. Your specialist will ask you about your work history, get a snapshot of your living expenses and any ongoing financial commitments you may have. Alternatively give us a call on 1300 358 358.

This is dependant on your circumstances. After receiving any supporting documents we may need, in most cases we can have an approval in 1 hour.

That’s absolutely fine, give our friendly team a call on 1300 358 358.

We offer loan terms from 1 year to 7 years (12 to 84 months).

We offer both fixed and floating interest rates.

Yes, we have fantastic relationships with a large number of car dealers , giving us access to fleet pricing on new vehicles and a large selection of used cars

Yes, we have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

Yes, it’s worth getting a second opinion. It could be that you’ve been declined at a car dealership that only has a one size fits all product. We have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

Yes. We always check an applicant’s credit history before approving their loan, but this does not mean that we deny everyone that has black marks and defaults in their credit file.

If we find black marks in your credit record, we will generally talk with you about them and give you an opportunity to explain them and even to prove that your circumstances have improved.

We encourage you to request and analyse your credit record before you apply for a loan and if necessary, gather relevant information and documents to help us understand your situation.

Keep in mind that although we would like to help everyone with a loan, circumstances sometimes require us to decline an application.

• Equifax
• Experian
• Check Your Credit

The Australian government requires these credit reporting bodies to provide all consumers free access to their credit report once a year. Consumers may also request a free credit report if they have been refused credit within the past 90 days or if their credit-related personal information has been corrected.

At all other times, these credit reporting bodies may charge a fee, but it is usually affordable.

The terms settlement, default and closed are commonly found in credit reports and it is important that you know what they mean so that you understand your credit history accurately.

Here are their definitions within the context of loans and credit:

• Settlement – An official agreement in which the borrower has repaid a portion of their dues and the lender agrees to not pursue them for the remaining balance.
• Default – The borrower has failed to fulfill their obligation to pay a debt.
• Closed – The borrower has paid the debt in full.

• Pay your bills on time
• Make loan or finance repayments by their due date
• Pay off any debts that you have defaulted on
• Catch up late payments and overdue bills
• Don’t apply for credit multiple times within a short period of time.