Drive Away With a Better Deal, Not Just a Deal
Car dealers want you to use their finance. We want you to get a sharper rate. We compare lenders before you sign anything - with any fees disclosed upfront.
Dealer Finance vs Broker Finance
Dealer finance is convenient - but it's rarely the cheapest option. We compare multiple lenders against each other and often find a sharper rate than the dealer's offer.
Car Loan Snapshot
Car Finance - Start to Drive
Simple, fast, and on your side.
Tell Us What You Need
Let us know the car you're looking at (or ask us to get pre-approval before you start shopping). We'll ask a few quick questions.
We Compare Lenders
We match your application to the right lenders for your profile and find the most competitive rate available to you.
Approval
Most car loan approvals happen within 24 hours. We'll confirm the approval and loan terms with you before you sign anything.
You Drive Away
Once you sign the loan documents, funds are sent to the dealer or seller. You pick up the keys.
Who Can Apply for a Car Loan?
Car loans are available to most applicants. You're well-placed to apply if:
- You are an Australian citizen or permanent resident
- You have a regular income (PAYG, self-employed, or Centrelink-supplemented)
- You have a reasonably clean credit history
- The vehicle is for personal or business use
- You are purchasing from a licensed dealer or via private sale
Car Loan FAQs
Often yes - dealer finance typically includes a margin for the dealership. We compare dealer rates against the open market and show you the difference.
Yes. We work with lenders who assess self-employed income appropriately. Some lenders offer low-doc car loans using bank statements rather than tax returns.
A balloon (or residual) is a lump sum at the end of the loan term. It reduces your monthly repayments during the loan. At the end, you either pay the balloon, trade in the car, or refinance.
Most standard applications are approved within 24 hours when documents are in order. We often have approvals same-day for straightforward cases.
Yes. Most lenders support private sales - the funds go directly to the seller. We manage the process.
We work with specialist lenders who assess applications holistically, not just by credit score. Contact us and we'll be honest about your options.
Talk to an Ignite Broker Today
Whether you're ready to apply or just exploring your options - we're here to help with no obligation.
Book Your Free Consultation
A no-obligation chat with Ali or one of our team. We'll walk through your options and give you a clear picture of what's possible.
Or call 08 8379 3636