Car Loans

Private sale car loans

Save time and money on your private sale car loan

Buying a second-hand car often means you’re getting yourself a great deal … but it can come at a price. Not all lenders offer finance for used cars, so you might find it harder to get a car loan. Then there’s the rate you might get quoted. Some lenders think used car loans are riskier, so they price their loans accordingly.

Let us do the heavy lifting for you. Not only will we save you time, but we’ll also find you a great deal. That’s because we work with over 30 lenders so have access to great low rates you might not see advertised. 

Get started on finding a low-rate private sale car loan today.

Buy a private car with confidence

The biggest risk of buying a car from a private seller is that things might not be quite as they seem. It might not be roadworthy or the car might have unpaid debt attached to it. Both of these unpleasant surprises could cost you big time. 

We’re here to bring you peace of mind. Arrange your private sale financing with National Finance and Loans and we’ll:

  • Set up a vehicle inspection so you know it’s safe to drive
  • Check the vehicle against the Personal Property Securities Register 
  • Arrange encumbrance payouts (where your lender repays the existing debt in full) 
  • Provide warranty options on your purchase
  • Work with the seller directly, so you don’t have to 

To find out more how to buy your car with confidence, speak with our team today.

Get your private car faster

We get it. The seller doesn’t care that it might have taken you months to find the right car at the right price. They’ll sell it to the next interested buyer if your finance takes too long. 

That’s why we work hard to get you the quickest approval possible. 

Get started on finding a great low rate private sale car loan today.

Private car loans for people with bad credit

Your past mistakes needn’t ruin your dreams of buying a private car. No matter what your credit situation, we can solve your problem. We regularly help people just like you get their ‘tough’ loans approved. As we work with more than 30 lenders, we’ll match you with the right loan that works best for your individual circumstances. 

Speak with our team today to find out more.We understand selecting the perfect car at the right price can take months so we always endeavor to provide the quickest approvals possible. Getting quick finance approval when buying a car through a private seller is important as sellers will often make a deal with finance ready buyers first.

Get National Finance + Loans on your team. Ask questions or apply today by phone, online or in person.

Refinance car loans

Refinance to a lower-rate car loan

There are lots of reasons why you might be paying a higher interest rate for your car loan than you should. Maybe you got your existing loan via the dealership. Or the market changed and what was once a competitive rate is no longer a good deal. Perhaps you’ve improved your credit score since you first took out your loan and can now access lower car loan rates. 

Whatever the case, don’t get stuck paying more than you should. Refinancing your car loan onto a lower rate could save you thousands of dollars over the life of your loan. But refinancing is not for every borrower, so it’s important to weigh up the pros and cons of doing so. Our experienced team is on hand to help make sure it’s the best decision for you. 

Get started and see if you’ll save money refinancing.

Refinance to reduce your monthly repayments

Your financial circumstances can quickly change. And what was once an affordable monthly repayment can become a struggle. Refinancing onto a longer loan term can reduce your monthly repayment, giving you more money in your pocket. But this may mean you’ll end up paying more overall, so it’s important to weigh up the pros and cons of doing so. 

Our experienced team is on hand to help make sure it’s the best decision for you. Speak with them today to figure out all your options.

Refinance to pay off your balloon payment

Balloon or residuals payments can seem like a great idea when you first take out a car loan. While these can reduce your monthly repayments significantly, you’ll find yourself with a lump sum to pay at the end of the loan. 

Can’t pay this outright or don’t want to trade-in your current car? Speak with our team today to find out how you can refinance the balloon payment into a new loan. 

Refinance to consolidate your debts<br />

Small debts such as personal loans and credit cards can soon add up. Not only do you have to keep tabs on when accounts are due, but you have to constantly budget to manage all your repayments. 

For some borrowers, consolidating your debts by refinancing your car loan could be a good option. You’ll only need to make one repayment a month. And if your new rate is lower than that charged on your other debt, it can free up more of your cash. 

However it’s not suitable for everyone, so speak with our team to figure out all your options. 

Dealership car loans

Why dealer finance can cost you

They say convenience comes at a price and, with dealer finance, this is often true. Your car loan options are often limited, as dealers usually only work with one or two preferred lenders. That often means higher interest rates or loans that don’t suit your needs. 

Don’t settle for second best. With a panel of over 30 lenders, we’ll help find you a great loan with a rate and features that work for you. 

Get started on finding a great low rate new or used car loan.

Don’t fall for sales ploys

Sometimes dealers offer you tempting low rates or 0% finance to sweeten the deal. But if it sounds too good to be true … it often is. With 0% offers, dealers may bump up the price of the car or add extra fees to compensate. 

Or you may be offered a low-rate loan … that comes with a large balloon payment at the end of the loan. None of the car loans we arrange have balloon or residual payments, which means you have one less cost to budget for. And with us on your team, you can be sure you know what you’re getting into before you sign on the bottom line. 

Get started on finding a great low rate new or used car loan.

Save time and get the right loan for you

So you’re sold on the benefits of organising a car loan independently from the dealer. But does that mean you have to spend time shopping around for the best deal that suits your needs and situation?

No. With over 30 lenders on our panel, we’ll do the legwork so you don’t have to. Our experienced team will match you with the most suitable product with the interest rate and features you need whether:

  • You’re a PAYG worker or ABN holder
  • You’re a full-time, part-time or casual worker
  • You have good credit history or bad credit history

To find out how, contact us or fill out our application form today.

Self-employed? Casual worker? Low credit?

Many car loan lenders want you to have a good credit score and consistent payslips. So it can be a struggle to get approved if you’re self-employed, a casual worker, have no credit history or have made a few mistakes in your past. 

We can help solve your problem. Our experienced team has got the know-how on getting tough and low-doc loans approved. We work with over 30 lenders, so we’ll help find you the right car loan for your circumstances. 

Speak with our team today to find out how.

Novated car leasing

What’s a novated lease?

Cars can be expensive, and you often need to go into debt to purchase them. But a novated leasing is another way of financing your car that may make it more affordable.

A novated lease is an agreement between your employer, a lender and yourself. You choose the new car you want to lease. Your employer then deducts your repayments using your pre-tax salary to do so. 

This can save you a considerable amount on income tax as it reduces your taxable income. However, not all employers offer novated leasing as an employee perk, and not all lenders offer it as a product.

But we know the lenders that do! Speak with our team to find out more.

Novated leases can offer significant tax savings

A novated lease can bring about significant tax savings. 

First, you don’t pay GST on the purchase price, saving 10% on the get-go. As the car payments come out of your pre-tax salary, you reduce the amount of income tax you have to pay. This payment includes all your running costs such as fuel, insurance and maintenance, reducing your tax bill further. 

While this all sounds great, novated leases are not suitable for everyone. Our team can help guide you through the process of deciding if one is right for you. Contact us today to find out more.

Novated leases may be more convenient

Novated leases give you the convenience of only having to budget for one payment each month. This payment includes all your costs associated with the car including: 

  • Registration
  • Servicing
  • Maintenance
  • Insurance
  • Fuel
  • Tyres

This may help you budget more effectively. 

Novated leases are not for everyone. But our team can help guide you through the process of deciding if one is right for you. Contact us today to find out more.

Is a novated lease right for you?

Novated leases can be a good option for some people. But they’re not right for everyone. It depends on several factors including your employer, how long you want to stay at your current job, your income and tax bracket. Exiting a novated lease before the agreement ends may also mean extra costs. 

Our experienced team can guide you through the process of deciding if a novated lease is right for you. Contact us today to find out more.

Get the right finance

There’s a bewildering amount of financing options available in Australia, including novated leases. Getting your head around their pros and cons can be a challenge. Our experienced team is here to help guide you through the process. We’ll help match you with the most suitable product with the interest rate and features you need – whatever your particular circumstances.

Get started by filling in our online application form.

ABN car loans

Can’t prove your income?

Having reliable and affordable transport is an essential part of running a successful business. But if you don’t have proof of stable income such as payslips, bank statements or tax returns, it can be a struggle getting your car loan approved. Apply to the wrong lender and get rejected, and your credit rating might suffer. 

Our team has the experience and know-how to solve your problem for you. Our team work with over 30 lenders, so we’ll match you with the right ABN holder car loan for your business, whether you’re self-employed, a sole trader or a small business owner. Got bad credit? We can help you too! You also don’t need to be GST-registered to qualify. 

Get your business moving today by filling out our online application form.

Started your business recently?

Generally, the longer you’ve had your ABN for the wider your choice of loan products. But if you’ve had your ABN for less than 12 months, don’t stress! 

We regularly help start-ups just like you. Get your business moving by filling out our online application form today.

Confused about your options?

Making sense of financial jargon can make your head hurt. But you need to know what you’re getting into before you sign on the dotted line. 

That’s why we’re here. Our team always explains things in plain English, not financial gobbledygook. That’s because we don’t just want to find you a low rate. We also want you to know exactly how your car loan works so you can make the best decision for your business. 

We can help you whether you’re a:

  • ABN holder (with good or bad credit history)
  • Family trust holder
  • Company or sole trader
  • Self-employed borrower
  • Borrower with limited income documentation

Get your business moving by filling out our online application form.

Get your business moving

You deserve a great car loan that works for you and your business, whether you want a big car loan or a small car loan, and whether you have good credit or bad credit. With our panel of over 30 lenders, we’ll help get a car loan – without the fuss, stress and hassle of going it alone. 

Let us solve your finance problem. Get started by filling out our online application form today.

Import car loans

Struggling to get an import car loan?

Your dream car ticks all the right boxes – except for one small problem: it’s overseas. Getting finance can be a headache, as many mainstream lenders don’t want to take on an imported vehicle. They may view you as a high-risk borrower, or just don’t know how to value your car.

But don’t let this stop you. We work with specialist lenders who don’t shy away from import or grey car loans. This means we can help find you a great deal. 

Solve your problem by filling in our online application form or contacting us today.

Can’t afford an import car deposit?

Mainstream lenders think import cars are so risky their loans often come with strict conditions attached. They might even want you to pay up to a 30% deposit for the deal to go ahead. But if you don’t have the deposit, what should you do?

Let us solve your problem for you! We regularly help Australians just like you find low and no deposit finance options for their import and grey cars. 

Get started by filling in our online application form or contacting us today.

Get pre-approved for an import car loan

We get it. Once you’ve found your dream car at the right price you don’t want to lose it by taking too long arranging finance. Especially if the make and model can only be found abroad. 

Get your finance in place before you buy with National Finance and Loans. To find out more, fill in our application form or contact us today.

Drive away in your dream import car

Finding specialist lenders that take on import car loans can be tricky. If you approach the wrong one and they reject your application, your credit score might suffer. 

With us on your team, we’ll take the time, stress and guesswork out of the process. With over 30 lenders on our panel including specialist, non-traditional and peer-to-peer lenders, we can help get you on the road faster. 

Get started by filling in our online application form or contacting us today.

Low-doc car loans

Can’t prove your income? Get a low-doc car loan

If you’re self-employed, a sole trader or own a small business, it can be difficult to get approved for a car loan because lenders often want to see proof of a regular income. That means payslips, complete tax returns and bank statements – paperwork you might not have or don’t want to provide. 

That’s where low-doc and no-doc car loans come in. These loans are designed for people just like you, as you can self-verify your income or provide less supporting financial documentation. 

Our experienced team has helped many Australian business owners get loans. They’ll match you with the right low-doc loan at a competitive rate that suits your needs. 

Get your business moving today by filling out our online application form.

Don’t damage your credit rating

If you apply to a mainstream lender when you can’t verify your income, you’ll likely get rejected. This can have a negative impact on your credit rating, making it harder to get approved for a car loan in the future. 

But if you work with us, we’ll know which lenders to approach. That means no damage to your credit score, while we do all the hard work of finding you a low-doc car loan.

Get your business moving today by filling out our online application form.

Get the right car loan for your business

Our teams regularly help small business owners, sole traders and self-employed ABN holders with limited proof of income get approved for car loans. That’s because we work with over 30 lenders and know who the most flexible ones are. So we can compare a range of low-doc and no-doc car loans for you so you can find the right one to get your business moving. 

But we don’t just want you to find a low rate. We want you to understand what you’re signing up for, so you can make the best decision for your business. That’s why our team always speaks in plain English, and will take the time to explain what all the terms and conditions mean.   

Find the right low-doc loan for your business by filling out our online application form today.

Got a low credit rating?

Your past mistakes needn’t ruin your dreams of buying a car. No matter what your credit situation, we can solve your problem. We regularly help business owners just like you get their ‘tough’ loans approved. As we work with more than 30 lenders, we’ll match you with the right loan that works best for your individual circumstances.

Speak with our team today to find out more.

Repairable write-off car loans

Struggling to get a car loan for a repairable write-off?

Buying a repairable write-off can be a great way to get a good deal on a used car. But getting finance for a write-off is often tricky. Lenders think these types of loans are riskier so have stricter loan conditions and eligibility criteria. 

But don’t let that put you off! We regularly help people just like you find finance for repairable write-offs. We know who the most suitable lenders are, and can position your application so it has the best chance of getting approved. 

Get in touch so we can solve your problem today!

Don’t damage your credit rating

Not all lenders will finance repairable write-offs. Those that do handle these loans on a case-by-case basis, often using tougher lending criteria to assess your application. That means your chances of being rejected if you go it alone are often higher. An unsuccessful loan application could damage your credit rating. 

Avoid rejection by speaking with our team today. We know who the most suitable lenders are and have helped many Australians find finance to buy repairable write-offs.

Understand your options with repairable write-offs

In most cases when you finance a repairable write-off the loan will be unsecured. That’s because lenders think it will be harder for them to sell on the car if you default on your payments. These mean they’ll often charge you a higher interest rate than if it was a secured loan.

But if you don’t want an unsecured loan, get in touch with our experienced team. They’ll talk you through all your options, so you can find a deal that works for you.

Get advice before you buy a repairable write-off

You can make significant savings when you buy a repairable write-off. But you do run the risk of buying a dodgy vehicle. We regularly help many Australians finance repairable write-offs, so we can offer advice on what you should look out for. 

Get started by speaking with our team today.

Get pre-approved before looking for a repairable write-off

We get it. Once you’ve found a repairable write-off in the right condition at the right price, you don’t want to lose it by taking too long arranging finance.

Get your finance in place before you buy with National Finance and Loans. To find out more, fill in our application form or contact us today.

Uber & rideshare car loans

Get expert advice before taking out a rideshare car loan

Rideshare services like Uber can be profitable side hustles. But you need a set of wheels to do the job. So it can seem more convenient to go with the financing or leasing options recommended by Uber. 

But convenience often comes with strings attached. These options may come with higher interest rates and less flexible repayment terms. That means you’ll pay significantly more over the life of your loan. 

Don’t settle for second best. Our experienced team can save you money by giving you more loans to choose from. We help you compare rates and terms, so you’ll find the right rideshare car loan that suits your unique situation.

Get on the road faster by speaking with our team today.

Get a better deal on an Uber car loan

Our team regularly helps Uber drivers get a better deal on their finance. That’s because we work with over 30 lenders so can match you with the right loan for your needs. 

In most cases, these loans require a deposit of around 20%. This can be cash, trade-in of your old car, or a mixture of the two. In exchange, you’ll get a competitive interest rate and a loan term that works for you with no final balloon or residual payment to worry about. The best bit? You’ll own the vehicle once the loan is paid. 
Find your better deal today by speaking with our team today.

Own your own rideshare car

You usually have three options when it comes to getting a rideshare car: leasing, rent-to-buy, and finance. 

The biggest downside of leasing is that you will never own the car, even though you’ve made regular payments. With rent-to-buy, you’ll end up paying significantly more than the car is actually worth to own it. So if you want to own your car, finance may be your best option. 

Our rideshare car loans never come with balloon or residual payments attached. So once you’ve made your last repayment, the car is yours. 

Get started by speaking with our team today.

Choose what you want to drive

Seen a car you like but not sure if you can finance it for Uber? As long as it’s new or a demo model, you probably can with our rideshare car loan options. Got a family or another job to do? You’ve got the flexibility to choose a vehicle that suits these needs too. 

Get started by speaking with our team today.

Modify or convert your rideshare vehicle

One of the downsides of rent-to-buy or leasing a rideshare car is that you don’t have control over the vehicle. That means you can’t convert it even if it makes business sense. Our rideshare products give you that control so you can modify the car if you need to. 

Get started by speaking with our team today.

Get your rideshare vehicle faster

Lenders often view rideshare car loans as riskier than other car loans, so their lending criteria is more specific. We’ve helped many Uber drivers, so our team can guide you through the process. We know which lenders to approach and can position your application so it gets approved faster.

Get started by speaking with our team today.

Just starting out and need a car loan?

Rideshare drivers are self-employed, so you need to be an ABN holder. In most cases, you must also be GST-registered. But don’t stress if you’re a new ABN holder. We can get you finance too. 

Get started by speaking with our team today.

Avoid damaging your credit rating

The criteria lenders use to assess your application as a rideshare driver is different than if you wanted a car loan. So your chances of being rejected if you go it alone are often higher. An unsuccessful car loan application could damage your credit rating. 

Avoid rejection by speaking with our team today. We know who the most suitable lenders are and regularly help rideshare drivers arrange finance.