What are your interest rates?
Interest rates can vary depending on the age of your credit file, credit score, assets and liabilities as well as the age of the good you are buying. Our interest rates start at 5.08% for brand new vehicles and go up from there.
Can I pay my loan off early?
Yes, generally if you are not in a lease, loan exit fees are quite small as low as $10 for every month you terminate early, i.e. 10 months early means a fee of $100.
Do I get charged if my application is unseccessful?
No, there is no charges if your application is declined, our fees are charged to the lender, not to you.
Will it show on my credit file if I am declined?
No, it does not show on your credit file as a “declined”. It shows an enquiry for finance, but more than 6 a year can slow your chances.
How long does the process take?
Once your car loan is approved and signed by you, we settle your deal and pay the vendor within 24 hours.
What do I need to supply to get a loan?
To speed your loan up there will be 3 things we need to confirm, your income, your id, and a receipt for the goods you buy.
What is the minimum loan you offer?
We can normally get you a cart loan for any amount over $5,000.