CAR FINANCE
Drive away sooner-we
compare car finance for you.
We compare car finance options across our lender panel and handle the paperwork from pre-approval to pickup.
Car finance that starts with your budget
Buying a car involves choosing both the vehicle and the finance. Before accepting an offer, compare the interest rate, fees, loan term and total repayment amount. Loan Masters helps you understand these details so you can assess how the proposed loan fits your budget.
Loan Masters does it differently. We start with what you're comfortable repaying, compare options across our lender panel, and only then send you shopping — with a pre-approval in your pocket and a budget you can trust. Whether it's your first car, the family's next one, or the ute that works for a living, the process is the same: clear options, plain English, and one person who looks after it all.
However you're buying, there's a loan for it
New Car
Buying from a dealer? We compare secured car loans across multiple lenders and can move an approval along quickly, so you don't lose the car you've fallen for. We compare options across our lender panel and explain the rates, fees and terms for your proposed purchase.
Used Car
Private sale, dealership, or the one the owner swears is 'genuine km'. We know which lenders finance older cars, higher kilometres and private sales — and what paperwork they'll want. We help you understand lender requirements and prepare the paperwork for your proposed purchase.
Refinance
Paying too much on your current car loan, or juggling it with other debts? We look at refinancing to a better structure and tell you honestly if switching isn't worth the effort. Sometimes the answer is keep what you've got — and we'll say so.
Business-use Vehicle
If the car earns its keep — utes for the crew, a work van, a sales rep's car — it may belong under business or asset finance instead. We'll tell you when that's the smarter path and handle the change of direction for you.
What Loan Masters Can Help You With
Every situation is different. We take the time to understand yours, then match you with the lender and structure that fits — not just the easiest approval.
Secured and unsecured car loans
Fixed rates and fixed repayments
Balloon payment options
Terms from 1 to 7 years
Extra repayments allowed on most loans
Low doc options for self-employed buyers
How It Works
1
Get pre-approved
Discuss your budget with us. We compare suitable lenders and help you apply for pre-approval, subject to lender assessment.
2
Choose your car
Find your car through a dealer, private seller or auction, then share the vehicle and purchase details with us.
3
We finalise the loan
We prepare your application, follow up with the lender and coordinate settlement once approval and all requirements are completed.
4
Drive away
Once settlement is complete and funds are paid, arrange collection with the seller and enjoy your new car.
What you get going through a broker
Comparison
Multiple lenders compared for every application — not just one bank's standard offer, and not just the yard's finance desk.
Pre-approval
Know your budget before you walk onto the yard, so you can negotiate the car on its own merits instead of a monthly payment.
Paperwork done
We prepare the application, answer the lender's questions and chase them for the decision, so you can get on with life.
Every Credit Profile
From first cars to rebuilt credit histories — we also work with specialist lenders for applicants the banks decline.
Structured Properly
Term, residuals and repayment frequency set up around your budget — not a template that suits the lender's spreadsheet.
Ongoing Support
Rate review at renewal, refinancing down the track, finance for the next car — your broker relationship doesn't end at settlement.
Frequently Asked Questions
Can I get a car loan with bad credit?
Possibly. Specialist lenders consider borrowers who have had credit issues, and the rates offered may differ. We discuss your circumstances and explain the options before you apply.
How long does approval take?
Approval often takes 24–48 hours once documents are available. Timing depends on the application and lender. We explain progress and outstanding requirements as the assessment proceeds.
Is a novated lease worth it?
It may be an option for salary and wage earners. Loan Masters can compare a novated lease with a standard car loan so you can review the numbers for your circumstances.
Can I finance a private-sale car?
Yes, many lenders finance private sales. Expect a few extra steps — the lender will want proof of the seller's ownership and may inspect or value the car. We handle the coordination so it doesn't become your weekend project.
Found the car? Lock in the loan.
Book a free, no-obligation appointment with a Loan Masters
broker and get clear, honest guidance on your next step.
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