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Car Finance Frequently Asked Questions

Below are some frequently asked questions we receive regarding car finance. Click on a question for more information.

Who is Car Finance and Bike Finance?

Car Finance and Bike Finance are part of one of Australia's leading finance brokerage businesses; Aussie Finance Pty Ltd. We hold an Australian Credit Licence (496991) and are members of the Financial Ombudsman Service (FOS) and the Finance Brokers Association of Australia (FBAA).

Car Finance and Bike Finance have access to a variety of finance options from our long term associations with a broad range of competitive and trusted lenders. Our Finance Consultants are industry professionals with the knowledge and experience to tailor a solution for you.

Aussie Finance Pty Ltd trading as Car Finance, ACN 115 027 140

Aussie Finance Pty Ltd trading as Bike  Finance, ACN 115 027 140

Australian Credit Licence Number 496991

Does it matter if the car is for sale privately or from a dealer?

Regardless of where you find the car, caravan or bike you are looking for, our aim is to get your loan approved, contact the vendor to arrange invoicing and have you enjoying your new set of wheels as soon as possible. 

We work for you, not the dealer or seller. And we work to get you the best approval we can.

Find your vehicle on Car Sales, Gumtree, your local Newspaper, through a private sale, auction or dealership, and we will help you through the entire process.

Can you arrange a car loan for anywhere in Australia?

Yes, is the simple answer. We can help you to get your dream car anywhere in Australia. Check out our locations or Call us on 1300 880 078, if you are unsure so we can assess your situation.

Should I apply to a number of car finance or bike finance companies?

Generally No, the excess activity on your credit file will hinder your chances of gaining approval.

Applications should be limited.

As an experienced finance broker with a competitive lending panel, we analyse each application and select the best financier for your individual needs.

Do you give second chance car and bike finance?

Yes, we do provide second chance car finance, but this is on a case by case basis. Please read full information about Bad Credit Car Loans or Call on 1300 880 078 to talk to one of our friendly consultants. 

How long is a pre-approved car or bike loan application valid for?

Loan pre-approvals generally last for 30 days, however if you stay in touch and keep us informed, we can arrange an extension of time for your pre-approval.

How long should I expect to wait for my car or bike loan to be approved?

The approval time generally is dictated by the lender. But as a major introducer of car finance business with several major financiers on our lending panel, we strive to get answers without unnecessary delays. The time range can be 2 hours to 48 hours - depending on the loan size and complexity.

We will try to push the application approval through as quickly as possible.

What is involved in completing a car or bike finance application?

This is a simple process which can take as little as 5-10 minutes. It can be done either through the online application or by phoning our office on 1300 880 078. 

You will already have most of the information we require without having to look for paperwork.

Are there benefits in getting a pre-approved car, bike or caravan loan?


With a pre-approval for your Car, Bike or Caravan Loan you are in a better negotiating position when dealing with a dealership or private sale.

Knowing you're approved, you can shop with confidence. Read more about pre-approved finance and what's involved.

After I complete a Car or Bike Finance application online what happens next?

1 - One of our experienced consultants will call you to complete a detailed application.

2 - The proposal will then be submitted to one of the financiers from our lending panel.

Car Buying Tip for Beginners

Buying your first car will be one of the most important purchases of your life. Read our car beginners guides.

A Beginners Guide to Car Shopping Part 1: Research

Part 2: Dealership or Private Sale

Part 3: Test Driving

Part 4: Making a Deal

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