Today's best rate is 6.99%
(Comparison rate 6.99%)
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Same Day Approval

Same Day Approval

95% of applications are processed on the same day, so you can get the car you dream of sooner.

No Application Fee

No Application Fee

Sit back and relax knowing that there is absolutely no fee for making an application.

Over 45 Lenders

Over 45 Lenders

We connect you to more than 45 lenders so that you can get the lowest possible rate.

No Impact on Credit Score

No Impact on Credit Score

The pre-approval process does not impact your credit score so that you can submit your application with no hassle.


Why Cars Finance?

We understand the importance of the perfect car and the challenges of financing. With years of experience, we’re committed to securing the best deals to fit your life.


Loan Calculator

Work out your repayment based on the amount you are looking to borrow, or put in the amount you can afford to see how much of a car you can afford.

Your repayments could be $??? per week
You can afford a car priced at $???
Disclaimer: All applications for credit are subject to credit assessment criteria. Terms and conditions are available upon application. Fees and charges may apply. The repayments calculator and affordability calculator provide estimates only and are based on the accuracy of the information provided.

Meet Our Lenders

When dealing with us, you unlock a wealth of choices between 45+ lenders.

Wisr Finance logo
Latitude Financial Services logo
Australian Motorcycle & Marine Finance logo
Metro Finance logo
Fox Finance Group logo
Firstmac Finance logo
Pepper Money Limited logo
ANZ logo
Shift Financial logo
Liberty Network Services logo
Macquarie Leasing logo
Capital Finance logo
Money 3 Corporation logo
RACV Finance logo
Selfco Leasing logo
Axsesstoday Finance logo
Classic Funding logo
Flexi Commercial logo
Affordable Car Loan logo
AFS - Auto Finance Simplified logo
Australian Premier Finance logo
GreenLight Auto Finance logo
Alto Group logo
Morris Finance logo
Prospa Finance logo
Noun Finance logo
Rate Setter logo
Silver Chef logo
Novated Connect logo
Money Place logo
Moula Finance logo
Societyone Finance logo
Thorn Group Ltd logo
TL Rentals Finance logo
U Me Loans logo
Money Me logo
Azora logo
Plenti logo
Autopay logo
Resimac logo

Our Happy Customers

Feedback is everything to us. 90% of our customers rate us 5 stars on Google. Here's what they say about us.

Great service from Susie. I highly recommend her. I changed my mind 3 times about a purchase of a vehicle and she was very patient and really helpful. She had addressed every concern I had with the documents and it was easy to process the paper work all thanks to her and her team. Would definitely inquire her service again.

CJ LOYAL avatar
Posted in January 2024

Toby's great, helped me secured my dream car within a few weeks I contacted him, very communicative and made it easy. Pretty much hassle free.

Luke Pan avatar
Luke Pan
Posted in October 2023

10/10 recommend!!!! Wonderful staff it they made it so so easy. Very helpful every step of the way! Toby was absolutely wonderful! Helped me with my first car the process was quick very grateful!!!!

Teressa Robb avatar
Teressa Robb
Posted in October 2023

Couldn’t recommend Susie @ carsfinance highly enough, she made the whole experience getting a new car super easy. She went above and beyond and I will be using her for any other finance needs in the future. Thanks Susie!

Samuel James avatar
Samuel James
Posted in January 2024

Highly recommend susie, for getting ur first car loan approved. She is very helpful and made the whole thing processed so quickly and easily. And on top of that she was so easy to communicate with. thanks a lot for ur help susie.

Reetika Joshi avatar
Reetika Joshi
Posted in October 2023

Honestly, I could not recommend this company enough, specifically, Toby. Not only did they help me through every step of the process with finding the best deal, but he went above and beyond to ensure that I was happy with the deal that I had selected, and the entire process was completely finished in a few short days. If you are looking for vehicle finance, please, make a phone call, ask for Toby, and have a conversation about it. I’m certainly won’t be disappointed.

Brock Harris avatar
Brock Harris
Posted in July 2023

Frequently Asked Questions does not provide car loans, rather, we are a credit broker able to connect you with reputable and trusted lenders who offer the very best car finance deals. And because we use ‘soft’ credit searches in the first stage of the enquiry you will not see any negative impact on your credit rating. If you wish to proceed with a quote, we then connect you directly to the lender who will conduct additional credit checks. Our aim is to provide the best car finance quotes across the Australia, so you have a fantastic selection of the very latest offers. It leaves you in full control to make a decision that you are comfortable with and allows you to find the perfect auto for your needs.
If you are holding Australian citizenship or permanent residency, being over the age of 18, and earning some type of income.
In general, we would need to see proof of licence, proof of income and proof of address. Some applications, though, might require additional documents.
If you’ve been refused car finance because of bad credit, we still may be able to help. At we work with a panel of lenders who can offer bad credit car finance.
Completing and submitting the application takes around 15-20 minutes. It will generally take one or two working days to evaluate your papers and financial information before reaching a judgment on your application.
The simple answer is no. In most cases, you can borrow 100% of the cost of your vehicle as long as you can afford it.
The borrowed amount depends on your and your car's value, but you can borrow up to $ 100,000 and an average of $ 30,000.