Australian Car Financiers - Banks

When it comes to interest rates, every lender uses a different formula to determine what interest rate they’ll offer you. Different lenders also have different lending criteria based on the customer, the vehicle, the vehicle’s age, and the seller. It’s a complex business environment – and we make it simple.

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That’s why, at, we approach a range of reputable Australian lenders to provide you with real choice. Our processes ensure that you get a great deal tailored specifically to your circumstances.

With the help of an experienced, qualified finance broker, getting a car loan does not need to be difficult, challenging or complex. We can advise exactly what is required and help make the processes and paperwork easy. can often beat the banks by offering you a lower interest rate. This either increases your effective spending power by allowing you to borrow more for any desired level of repayment, or it cuts your repayments at any particular price point. Either way, you win.

Banks often charge higher car loan interest rates because they’re not just specialist car finance providers, and also because of their internal overheads and administration costs. has low overheads and efficient internal structures and processes specializing in car finance, which allows us to keep our costs low.

Additionally, some banks and other lenders may have restrictions when providing some car loans. If you purchase through a dealer you may obtain the benefit of getting a reduced interest rate on a secured car loan. But if you buy from private seller, you might find yourself paying a much higher rate for an unsecured loan. At we offer more flexibility.

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Our pool of reputable Australian lenders include:

Macquarie Leasing:

A major player in the car finance market – especially since many US-backed lenders left the Australian finance industry during the Global Financial Crisis. Macquarie took over GMAC and Ford Credit, which means today Macquarie Leasing has a significant presence within car dealerships at both the retail and wholesale level. Macquarie understands cars and car financing, and offers a great range of products.


Owned and operated by ANZ Bank, Esanda is one of the more experienced lenders in the automotive industry. Esanda has had many years’ involvement in the car finance industry and has a range of innovative products and services for both business and private car buyers.

Capital Finance:

This financier tends to specialize in car loans for vehicles purchased through mainstream new-vehicle dealerships. (Dealerships such as Mitsubishi, Toyota, Holden, etc.) Capital Finance is a specialist in this area with a range of well developed finance products, but may not generally finance vehicles from other sources, like non-franchised used car dealerships, auctions or private sales.

Commonwealth Bank:

One of the ‘big four’ banks, Commonwealth Bank is a real option to consider if you are buying a car less than five years old from a licensed dealer. Beyond that age, however, the Commonwealth Bank doesn’t offer secured car finance. If you are buying an older car, or purchasing from a source other than a licensed car dealer, the Commonwealth Bank would offer only an unsecured variable or fixed rate loan with a higher interest rate.