How It Works
Getting car finance shouldn't feel like a guessing game. We make it simple: you tell us what you need, we do the legwork across our panel of 30+ lenders, and we explain every option in plain English. No jargon, no pressure, and no credit score impact to get started.
From first chat to driving away
Most of the work happens behind the scenes. Here's exactly what to expect, start to finish.
Tell us what you need
Jump online or give us a call and share the basics, the type of car (or the loan amount you have in mind), how you're paid, and roughly what your weekly budget looks like. It takes a few minutes and there's no obligation. If you already have a vehicle or a contract in front of you, great; if you're still shopping, that's fine too.
We match and compare the panel
We run your situation across our panel of 30+ Australian lenders and shortlist the ones that genuinely fit, not just the first bank that says yes. This step gives us indicative options without a credit enquiry, so your credit score stays untouched while we explore.
You choose, in plain English
We lay out the realistic options side by side and walk you through the repayments, term and any fees so you can see the full picture. We'll tell you what each choice means for your weekly budget. You decide what suits you, we never push you toward a particular lender.
Approved, settled and driving
Once you've picked an option we handle the paperwork and lodge your formal application, chasing the approval and answering the lender's questions on your behalf. Preapproval is often instant and many loans settle the same day. When your loan settles the funds go where they need to and you collect your car, and we stay with you for the life of the loan.
One conversation, the whole market
When you apply yourself, you're talking to one lender at a time and taking whatever they offer. When you come to us, a single conversation puts your situation in front of a panel of 30+ lenders at once.
We know which lenders look favourably on different situations, newer to your job, self employed, a less than perfect credit history, or buying privately rather than from a dealer. That knowledge means we can point you to the right lender the first time, instead of you collecting knock backs that can chip away at your credit file.
- We do the comparison legwork, not you
- Access to lenders you can't easily reach directly
- One application, not five separate enquiries
What you'll need
You don't need everything to get started, the indicative options come first. These are simply the documents the lender will eventually ask for, so having them handy speeds things up.
- Photo ID, a current driver licence or passport
- Proof of income, recent payslips, or for the self employed, business records such as BAS or tax returns
- A rough picture of your basic expenses, rent or mortgage, and your regular outgoings
- Vehicle or contract details if you have them, make, model, price or the dealer's contract
Why it won't hurt your credit score
Getting started with us has no credit score impact. When we shop your situation across the panel, we work out your indicative options without lodging a credit enquiry on your file. That means you can explore what's realistically available to you with complete peace of mind.
A credit check only happens when you've chosen an option and we lodge a formal application with that one lender, and only ever with your go ahead. You're always in control, and there's no obligation to proceed at any point.
Common questions
How long does the whole process take?
Does it really not affect my credit score to get started?
Am I locked in if I get options?
See your real options today
It takes a few minutes, it's obligation free, and there's no credit score impact to get started.