Car, personal and equipment finance
Car, personal and equipment finance
We also arrange car loans, personal loans and equipment finance for individuals and businesses, with the same approach: compare the options and explain the trade-offs before you sign.
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Who this suits
- You're buying a new or used car
- You need a personal loan for a renovation or a big expense
- Your business needs vehicles, machinery or equipment
How it works
- Tell us what you needThe purchase, your budget and your timing.
- Compare the optionsSecured or unsecured, term length and whether a balloon makes sense.
- ApprovalWe prepare the application and keep it moving.
- SettlementWe work with the dealer or supplier so you can take delivery.
Things worth knowing
Secured loans usually cost less
Using the car or equipment as security usually means a lower rate than an unsecured personal loan.
Balloons lower repayments but leave a lump sum
Our balloon calculator shows the trade-off.
A new loan affects your home loan borrowing
If you're planning to buy a home soon, talk to us before taking on a car or personal loan.
Documents you'll usually need
- Photo ID
- Payslips or business financials
- Three months of bank statements
- The invoice or quote
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
Is dealer finance a bad idea?
Not always, but it's worth comparing first. Dealer finance can include higher rates or added fees.
Can a business claim equipment finance costs?
Often, but ask your accountant how it applies to you.
How fast can car finance be approved?
Sometimes within a day or two, depending on the lender and your documents.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.