Drive away with a competitive car loan rate whether you are buying new, used, or upgrading. Pre-approval available from over 20 lenders.
Australians finance over 50% of vehicle purchases, yet many accept dealer finance without comparing alternatives. Dealer finance margins can add thousands to your total cost over the loan term. We access wholesale car loan rates from specialist lenders, banks, and credit unions so you walk into the dealership with approved finance and full buying power.
We offer competitive rates on vehicles up to 15 years old at the end of the loan term. New car rates start from 5.49% and used car rates from 5.99% depending on the lender and your profile. Rates are indicative only, subject to lender criteria and individual assessment. Contact us for a personalised quote.
A novated lease lets you salary package your vehicle costs including fuel, insurance, registration, and maintenance. We calculate the after-tax savings compared to buying outright or via a standard car loan.
Reduce your monthly repayments by deferring a lump sum (balloon) to the end of the loan. We help you decide whether a balloon payment makes sense or simply delays the cost.
A broker can help you compare finance options from multiple lenders, giving you a clearer picture of what is available before making a decision.
Get approved before you shop so you can negotiate the vehicle price as a cash buyer. Pre-approval is valid for up to 90 days and gives you a clear budget to work with.
Some lenders offer discounted rates for electric and hybrid vehicles. Combined with the Fringe Benefits Tax exemption on novated leases for EVs, the savings can be substantial.
General Advice Warning: The information provided on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it.
We discuss your budget, the type of vehicle you want, and whether a loan, lease, or novated lease is the best structure for your tax and cash flow situation.
We compare rates from over 20 vehicle finance lenders and secure pre-approval so you know your maximum spend and exact repayment amount before visiting a dealer.
Once you find your vehicle, we finalise the loan documents and coordinate funding. For dealer purchases, the lender pays the dealer directly at settlement.
Funds are released to the seller or dealer, and the security interest is registered on the PPSR. We confirm your repayment schedule and direct debit details.
Real reviews from real clients across Australia
"We would like to thank Stephen and Jeng so much for their assistance and support in our refinancing process. The team were proactive and always available to help."
"Stephen's professionalism, attention to detail, and genuine care made the entire mortgage process smooth and stress-free. He secured us the best rates when our first bank delayed."
"Damien and Jeng were amazing to deal with! They helped us refinance our home loan so we could get our renovations underway. The process was easy and stress-free."
"Damien was efficient and friendly. In a blink of an eye he got me from point A to B."
"Damien was very helpful, easy to communicate with. Kept me informed all the way and successfully refinanced my mortgage with a much better deal."
"Stephen and his team are highly recommended; my SMSF lending case was a complex one, but Stephen found some options. Great communication and responsiveness throughout."
"Damien from Manage Your Loans was fantastic in every step of our refinancing. Always available on the phone whenever questions needed to be answered."
"We were very impressed with the support we received during our home loan process. Damien's expertise and professionalism stood out."
"Stephen was great throughout the whole process. He kept me up-to-date and informed the entire time."
"Stephen Vider from Manage Your Loans helped me greatly through the refinance process. He was very transparent throughout."
"Ben was absolutely friendly and made the entire refinancing process completely stress-free for us. He took the time to understand our needs."
"We gave Damien from Manage Your Loans a complex challenge as we were refinancing 3 separate mortgages on two properties. He completed the intricate case successfully."
"Great service, MYL managed to get a better deal from the same bank! A must go for your home loan."
"Damien was a pleasure to deal with. Walked me through the whole process. Made everything very simple."
"We wish to acknowledge the outstanding service we experienced throughout the refinancing process. Damien's professionalism and industry knowledge were remarkable."
"Amazing! Debra and the team took exceptional care of us while getting a home loan for our first home in Australia."
"Second time around with Damien. Highly recommend him for his honesty, integrity and personalised service."
"The team from Manage Your Loans has been really helpful in doing my refinance to another lender. Thank you Deb, Grace and Leanne."
"Damien was fantastic as our mortgage broker! From start to finish, he was knowledgeable, professional, and incredibly helpful."
"The team at Manage Your Loans were amazing. Leanne and Nathan were with me every step of the way and successfully got over the line a new loan for my Self Managed Super Fund."
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