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

CarFinance.com.au is owned and operated by CarLoans.com.au and is designed to help Australians search for car finance options.

CarLoans.com.au is a car brokerage service helping Australians find the best low rate car loans since 2013. The CarLoans.com.au specialists find the best value car loan from a panel of Australia’s best lenders, saving customers time, hassle and stress.

CarLoans.com.au is proudly part of the Firstmac Group, an award-winning leader in lending in Australia for home and car loans, with brands Firstmac, loans.com.au, CarLoans.com.au and car-buying service OnlineAuto.com.au.

Car Finance has 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.

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.

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 889 669, if you are unsure so we can assess your situation.

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.

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.


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.

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 889 669. 

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

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.

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.

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 889 669 to talk to one of our friendly consultants.