Car Loans and Vehicle Finance

Don't overpay for auto finance

Your independent lending expert

My Finance Agent is your FBAA Finance Broker of the Year for NSW & ACT

FBAA Finance Broker of the Year (NSW & ACT) 2023

My Finance Agent wins Best Professional Services in the Local Business Awards Sydney

Local Business Awards Winner Best Professional Services (Sydney) 2019 & 2024

5.0 CUSTOMER RATING

150+ reviews

FBAA FINANCE BROKER OF THE YEAR (NSW &ACT) 2024

Australia's award-winning mortgage broker My Finance Agent

Find a market-leading car loan rate

Belinda has worked very hard over the past few weeks organising our new mortgage and car loan. She always pushed for the best rate for us. Her communication is fantastic and clear. —Frances

HUNDREDS OF HAPPY CUSTOMERS

Best mortgage broker near me - My Finance Agent Sydney & Bathurst - All your lending needs

We smooth away the speed bumps

TRUST US TO FIND YOU THE BEST DEAL

We guide you through the car loan process, navigating every twist and turn. Whether you need a new or used car, loan or lease, or short-term or long-term financing, we can help you find a market-leading, personalised rate - even with zero deposit.

If you have stable employment and enough income, even a few black marks on your credit history may not prevent approval.

You may even qualify for same-day car loan approval and disbursement, getting you on the road faster than expected.

Get a car loan with Sydney's best finance broker

Why choose us as your car loan expert?

We get you a great loan while you shop for a great car.

My Finance Agent NSW Mortgage Broker of the Year

5.0 CUSTOMER RATING

150+ reviews

Found your dream car?

Let’s get you behind the wheel

Paperless process

Forget about the stress of a paper chase. Our document management process is nearly 100% electronic for your convenience, privacy and peace of mind.

Smooth settlement process

We coordinate with you and your parties, as well as the vendor's representatives, to make sure everything goes smoothly.

Follow up care & appreciation

Where other brokers wave goodbye, we turn up with a housewarming gift. We also conduct post-settlement check-ins and annual reviews for the life of your loan.

Customised strategy

Owning assets can open up all sorts of wealth-building opportunities. If you are interested in investing, retiring, growing a business, or simply paying off your mortgage sooner, we can help to devise a customised strategy.

We keep you informed throughout the process, ensuring a fast loan turnaround.

You find the perfect car and let us find you the perfect finance. We prioritise clear communication, keeping you informed throughout the process.

Same-day approvals

With our help, you may be eligible for a same-day car loan approval and disbursement, getting you behind the wheel of your new car faster than you thought possible.

Features you need

We tailor your car loan to fit your lifestyle and budget, offering flexible options such as balloon payments, fixed or variable interest rates, and customised loan terms to suit your individual needs.

Flexible terms

Modify your loan term to match your budget and financial goals. Whether you prefer a faster repayment term or lower monthly costs, we customise the term to align with your preferences.

Smooth process

We simplify the car loan process, assisting with all of the paperwork and guiding you through each step. Our team ensures your application is smooth and stress-free from start to finish.

Car Loan FAQs

We're here to answer all of your questions.

Lenders will assess your income and employment status to ensure you can afford the repayments, and you'll need to provide proof of stable employment and income. A good credit history is generally required, although some lenders may offer loans to those with poor credit at higher interest rates. Additionally, the vehicle being financed must usually meet the lender’s criteria, such as age and condition.
You'll need the usual 100 points of identification, proof of income and other financial documents as well as dealer invoice, car details, VIN, vehicle registration, proof of insurance (cover note) and engine type .
The loan process includes obtaining pre-approval (recommended but not required), finding the right car, submitting the loan application, and completing settlement. Our team guides you every step of the way for a smooth experience. Following settlement, we remain in touch to check that the loan is set up properly and running smoothly.
Most car loans take 1 to 3 days from application to settlement, depending on the details of your financial situation.
When taking out a car loan in Australia, several potential costs may arise aside from the loan repayments. These can include an application or establishment fee, monthly or annual loan maintenance fees, and early repayment or exit fees if you pay off the loan ahead of schedule. Stamp duty is also applicable when purchasing a car and varies by state or territory. This tax is based on the vehicle's value or sale price and is usually paid at the time of registration. We will help you compare and factor in all of these costs before you commit to a lender.
The first step is to assess your financial situation to determine your borrowing capacity and preferred loan term. We recommend scheduling a consultation to explore your finance options.

Talk with a lending expert

Experience the award-winning difference

GET IN TOUCH

Get ready for success with a car loan pre-approval.

"Can you buy a car without pre-approval?" While not mandatory, a car loan pre-approval can give you a significant advantage in the purchase and negotiation process.

Pre-approval helps you determine your budget, which strengthens your bargaining power, and ensures you avoid high-interest dealer finance. It also streamlines the buying process, giving you confidence when searching for your next vehicle.