The most common type of car finance for private buyers in Perth WA. Fixed or variable rates, flexible terms from 1 to 7 years, and options for both new and used vehicles. Our broker partners search across multiple lenders to find the most competitive rate for your situation.

💼 Business Finance — Chattel Mortgage

If you're using your vehicle more than 50% of the time for business purposes, a chattel mortgage could be the right option. Potential tax benefits including GST claims and depreciation deductions make this one of the most popular business vehicle finance products in WA. Ask Jamie about whether this suits your situation.

🔑 Novated Leasing

A novated lease is an arrangement between you, your employer and a finance company that allows you to pay for your car using pre-tax salary — potentially saving you thousands per year. Our broker partners can explain whether novated leasing makes sense for your income and employment situation.

📋 Bad Credit & Non-Standard Finance

Been knocked back by a bank or mainstream lender? You're not alone — and it doesn't mean you can't get finance. Our broker partners work with specialist lenders who assess your full financial picture, not just your credit score. Casual workers, self-employed buyers, Centrelink recipients, and buyers with past credit issues are all considered.

🏠 Refinancing

Already have a car loan but think you're paying too much? Our broker partners can review your current loan and potentially refinance to a lower rate — saving you money on every repayment for the life of the loan.

Tell us about your situation — what car you're looking at, your budget, and any finance history we should know about. Everything is completely confidential.

Step 2 — We connect you with the right broker partner

Based on your situation we'll refer you to the specialist broker partner best suited to your needs — whether that's standard personal finance, business finance, novated leasing, or specialist bad credit lending.

Step 3 — Your broker searches the market for you

Your dedicated broker partner compares rates and terms across their full lender panel to find the most competitive option for your situation. This protects your credit score — instead of multiple lender applications each leaving a mark on your file, your broker does one smart search.

Step 4 — You choose, sign, and drive away

Once you're happy with the finance offer, the paperwork is completed and you drive away in your new car. Simple, fast, and completely transparent.

In many cases, zero. Zero deposit finance is available for buyers who meet the lender's criteria. If you have a trade-in vehicle, that can often substitute for a cash deposit entirely — meaning you drive away in your new car without any upfront cash outlay.

Will applying for finance affect my credit score?

When you apply directly with multiple lenders separately, each application leaves a mark on your credit file — and too many marks can actually reduce your chances of approval. Using a broker partner avoids this — they do a single smart assessment and match you with the most suitable lender, protecting your credit score throughout the process.

Can I get car finance with bad credit in Perth?

Yes. Being knocked back by one lender — or even several — does not mean you cannot get finance. Our broker partners work with specialist lenders who look at your full financial situation, not just your credit score. Casual employment, self-employment, past defaults, and even bankruptcy are all considered on a case by case basis.

Can I get finance if I'm self-employed or have an ABN?

Absolutely. Many Perth tradies and small business owners finance their vehicles this way. Low doc loan options are available for self-employed buyers who may not have traditional payslips. A chattel mortgage may also provide significant tax advantages — ask Jamie about your options.

Can I use finance to buy a car privately — not just from a dealer?

Yes. Our broker partners can arrange finance for private sale purchases as well as dealer purchases. So even if you've found a great deal on Gumtree or Facebook Marketplace, we can help you finance it.

How long does finance approval take?

In many cases, pre-approval can be obtained within 24 to 48 hours. For straightforward applications it can be even faster. Call Jamie today and we'll get the process started immediately.

What's the difference between a fixed and variable rate car loan?

A fixed rate loan keeps your repayments the same for the entire loan term — making it easy to budget. A variable rate loan can go up or down depending on market conditions. Most Perth car buyers choose fixed rates for the certainty and simplicity they provide.

What is a balloon payment?

A balloon payment is a lump sum amount due at the end of some car loans. It reduces your monthly repayments during the loan term but means you owe a larger amount at the end. Your broker partner will explain clearly whether your loan includes a balloon payment before you sign anything.

Can I refinance my existing car loan?

Yes — if you're currently paying a high interest rate on an existing car loan, refinancing through a broker could save you significant money. Call Jamie on (04) 5215 2643 for an honest assessment of whether refinancing makes sense for your situation.