No, we run a credit check that does not impact your credit score. After doing so, we base a quote on your provided information and credit check.

That’s no issue, we have the ability to negotiate different terms and conditions with our lenders for each individual situation potentially finding you a no early payout penalty.

Car dealerships are typically limited to a single lender giving you limited options to the best rate. They can have excessive establishment fees and often under deliver. We pride ourselves in offering a personable experience whilst finding you a competitive deal that commonly dealers do not have access to.

A Balloon Payment is an optional loan feature where, after making regular repayments over the loan term, you settle a lump sum amount at the end. This can lower your loan repayments over the term of the loan. For instance, a car loan of $35,000 for 5 years with a Balloon Payment of $7,000 (20% of car value) means repaying $28,000 over 5 years and a final $7,000 at loan end.

Each lender has different specific requirements to determine your interest rate. Depending on a number of different factors including employment type, financial and housing situation and if you are asset backed or not. All of these factors contribute to what rate we can obtain for you. Reach out today to investigate what rate we can get for you!

We understand unforeseen situations out of your control can sometimes arise and that’s ok, the best resolution is to let us know right away if and when anything has come up and we can liaise directly with the lender on your behalf to discuss reduced payments. Alternatively we can assist in helping you sell the asset and pay out the loan. It’s the least we can do if you are facing financial hardship.

When you receive a quote from us, rest assured it comes with absolutely no obligations. If the offer doesn’t align with your needs, there’s no commitment on your end. We respect your decision either way. Should you choose to move forward with the purchase later on or explore quotes for different assets, remember we’re just a phone call away.

Not necessarily. We collaborate with specialized lenders who evaluate individuals with poor credit ratings.*

* Please note that every individual’s circumstances vary, so we cannot assure approval for all individuals with poor credit ratings.