We start with a pre-assessment to talk through your options, and we’ll explain the next steps before anything goes ahead.

It happens, and it doesn’t always mean no. Across our lender panel we can look at a range of situations, and we’ll be straight with you.

There’s no cost to get started, and no obligation. If you go ahead with a loan, there are usually a few fees set by the lender, most often an establishment fee and an introducer fee, and sometimes a PPSR fee or ongoing account fees. We’ll go through every fee that applies before you commit, so there are no surprises, and they’re all set out in your loan contract.

Not at all. Getting pre-sorted means you can move quickly when you do.

A real person: Jessica Gopalan, your asset finance adviser, and the same one the whole way.

Often quickly. Once your documents are in, many lenders on our panel decide within hours, sometimes the same day. If you’re approved during business hours, funds are commonly paid that day or the next, depending on the lender and your bank. It mostly comes down to how fast your income and ID check out. The smoother the paperwork, the faster you’re sorted. We keep things moving, but never rush a decision at the expense of responsible lending.

There’s no one-size-fits-all answer. It comes down to your income, your expenses, and each lender’s criteria. We start with affordability, working out repayments that sit comfortably within your budget, then matching you with lenders that suit your situation, whether that’s a modest used car or something larger. You’ll get realistic options built around what you can genuinely afford, never inflated numbers that stretch you too far.

A car loan lets you get the vehicle you want without paying the full price upfront, whether that’s your first car, a bigger one for the family, or something a bit more fun. It works for new and used vehicles, repaid over time in regular repayments that fit your budget. And it’s not just cars. We can also help with motorbikes, boats and caravans.