Personal and family use
Start with the vehicle budget, your income and regular commitments. You can discuss a dealer or private purchase before choosing a car.
Explore personal vehicle finance →FROM FIRST LOOK TO NEXT STEP.A little clarity.
A little clarity.
A better car journey.
Still browsing, found a vehicle or reviewing your current loan? Start where you are.
Find my next step ↓Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
YOUR CAR. YOUR STARTING LINE.
Where are you in your car journey?
Pick your stage for a practical checklist and a useful next step.
Plan the car around your budget.
Build a comfortable purchase budget before narrowing your search. We can explain the finance process and the information needed to explore your options.
- Allow for the purchase price, registration, insurance and ongoing running costs.
- Consider your deposit or trade-in and a repayment that fits your budget.
- Tell us whether the vehicle is for personal, business or rideshare use.
- Discuss the next steps before committing to a purchase.
YOUR LIFE. YOUR WORK. YOUR VEHICLE.
How will you use it?
Tell us what the vehicle will actually be used for. The purpose helps shape the conversation and the information needed.
Business or self-employed use
Explain the business and personal use, available records and running costs. Having an ABN alone does not determine the finance structure or approval.
Explore business vehicle questions →Planning rideshare or delivery work?
Check the vehicle meets the platform’s current requirements and that the intended use can be insured. Allow for running costs, maintenance and changes in earnings.
Explore rideshare and delivery finance →BEFORE YOU PAY OR SIGNA few checks.
A few checks.
A clearer purchase.
Buying from a dealer
- Get an itemised drive-away price, with optional extras shown separately.
- Understand deposits, sale conditions and any finance condition before committing.
- Review vehicle condition and ownership costs independently of the finance offer.
Buying privately
- Treat a private purchase as a used-vehicle transaction; confirm the seller’s identity and authority to sell.
- Match the VIN, registration and vehicle details across the car and sale documents.
- Discuss an independent inspection, service history and any relevant roadworthy requirements.
- Check for money owing and confirm the agreed payout, payment and collection process.
A PPSR check does not replace a mechanical inspection or verify the seller’s identity.
Official PPSR vehicle check ↗Reviewing an existing loan or balloon
- Request a current payout figure and check how long it remains valid.
- Confirm your remaining term, current repayment and any balloon amount and due date.
- Explain what you want to change: repayments, timing, the term or an upcoming balloon.
- Compare fees and total cost as well as the repayment; extending the term may increase the overall cost.
What happens after I enquire?
- A conversation: clarify your goal, timing and intended use.
- Information review: the team explains the documents and any proposed credit checks.
- Your decision: consider the terms, full cost and any conditions before agreeing.
- Following approval: complete the required documents and agreed settlement steps. Confirm payment and collection arrangements before taking the vehicle.
An enquiry, an estimate and a finance approval are separate stages. Finance is subject to assessment and approval. Timing depends on the information, vehicle and transaction.
THE RIGHT QUESTIONS HELP.Your budget goes
Your budget goes
beyond the price tag.
Think about your deposit, trade-in, repayments and ongoing ownership costs. If you are buying, clarify the sale terms and any finance condition before paying or signing.
Try a repayment estimate →