Used Car Finance

Finance for your next used car

Buying second hand from a dealer or a private seller? We compare a panel of 30+ Australian lenders to find competitive used car finance, one simple application, no impact on your credit score to get started.

Get my options Call 0478 777 723

Second hand, sorted

A used car is a smart buy, so is the right loan

A quality second hand car can be excellent value. The finance should be just as sensible. Whether the car's at a dealership or in a private seller's driveway, we shop your situation across our lender panel and bring back options that genuinely suit you. As a broker we're not tied to one bank, so you see deals you'd never find on your own.

Why finance with us

Used car finance that works for you

Competitive secured rates

A secured used car loan usually attracts more competitive rates than an unsecured loan. We compare the panel to find a sharp fit, rates depend on the lender and your circumstances.

Instant preapproval

Preapproval is often instant. Used cars sell fast, so knowing your budget up front lets you move quickly and with confidence.

Fixed repayments & terms

Most loans we arrange come with fixed repayments over a 1 to 7 year term, so your budget stays predictable from the first payment to the last.

No credit score impact to start

Getting your options doesn't touch your credit score. We only move to a formal application once you've chosen to go ahead. Always obligation free.

Buying privately?

We handle the paperwork

A private sale can save you money, but it comes with extra steps a dealer would normally take care of. We do the heavy lifting so you can focus on the car.

Verify the seller and the vehicle's details
Check for any money owing on the car (encumbrance)
Coordinate payment so funds reach the seller safely
Keep you updated at every step through to settlement

Backed by Auto Solve Cars, an established dealership, we know what a clean used car transaction looks like.

Get my options How it works

What affects your loan

A few things shape your used car finance

Lenders look at both the car and you. Here's what tends to influence the rate, term and amount available on a used car loan.

Age & condition of the car, older or higher wear vehicles can affect the term and rate available
Kilometres on the clock, lower kilometre cars are generally viewed more favourably
Your profile, income, expenses, credit history and employment all play a part
Loan amount & term, the balance between repayment size and total cost over the life of the loan

Don't worry about ticking every box. Tell us about the car you're eyeing and your situation, and we'll find the lenders most likely to say yes, with no impact on your credit score to get started.

Good to know

Used car loan questions, answered

Is there a maximum age for a car I can finance?

Different lenders take different views on vehicle age, and many consider the car's likely age at the end of the loan rather than today. Because we compare a panel of 30+ lenders, we can usually find one comfortable with an older vehicle. Tell us the make, model and year and we'll let you know your options.

Can I finance a car from a private seller?

Yes. We arrange finance for private sale purchases regularly and handle the extra paperwork that comes with them, verifying the seller and vehicle, checking for any money owing on the car, and coordinating payment so the funds reach the seller safely.

Should I get the car inspected before I buy?

It's a sensible step, especially on a private sale. An independent pre purchase inspection can flag mechanical issues before you commit, and some lenders may ask for vehicle details or a valuation as part of the process. We'll tell you what your lender needs and can point you in the right direction.

Found a used car you love?

Get your finance options before you commit, free, obligation free, and no impact on your credit score to get started.

Get my options Call 0478 777 723