Buying from a dealer
Discuss the vehicle and an itemised dealer quote alongside your finance request.
Keep in mind: Check the total drive-away price, optional extras and sale conditions separately.
Explore this option →Car · A CLEARER STARTING POINT
Car Finance for Complex Situations
A more complex credit history deserves a clear explanation of your circumstances and the next steps.
Explore the information first. Our team can help you understand the 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.
THE ESSENTIALS
Your finance essentials.
Whether you are looking at a new purchase or your current vehicle finance, start with the vehicle, your goal and your preferred timing. We can discuss the information needed to review your request.
- Purpose
- Discussing vehicle finance when your circumstances need a closer look.
- How it works
- The team reviews your explanation, current commitments and vehicle needs before discussing next steps.
- Security to understand
- Vehicle loans may use the vehicle as security. Ask what is secured and what can happen if repayments are missed.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Your purchase path makes a difference.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Buying privately
A private purchase needs seller, vehicle and payment arrangements reviewed.
Keep in mind: Confirm the seller, vehicle condition and registered security interests before paying.
Explore this option →Reviewing an existing loan
Compare the current payout and remaining costs with a proposed replacement loan.
Keep in mind: A lower repayment can reflect a longer term. Check the full cost and any balloon.
Explore this option →A vehicle for business
Explain the actual intended business and personal use.
Keep in mind: Holding an ABN does not by itself determine the finance structure or approval.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You want to explain an old credit issue before deciding whether to proceed with a vehicle finance application.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
No approval or credit-score outcome is promised. Ask what credit checks are proposed before giving consent.
ASIC Moneysmart: car loans ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
A short explanation of the issue, its current status, relevant correspondence and the proposed vehicle budget.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
Self-employed consumer finance: accountant’s letter option
Self-employed and applying for a car for personal use, a personal loan or another eligible consumer purpose? If your last two years of tax returns are not yet complete, an accountant’s letter may be accepted as the income document for eligible finance options.
Ask our team about an accountant-letter-only income verification option. Identification and other standard application information may still be required. Availability is subject to product criteria, assessment and approval.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
Can I enquire if my credit history has some difficulties?
Yes. Explain your current circumstances and the entries you are concerned about. A conversation does not guarantee eligibility or approval.
What helps you understand my situation?
A short explanation of what happened, whether the issue is resolved, and your current income and commitments helps us identify what needs review.
Will an enquiry improve my credit score?
No score improvement is promised. Ask the team what checks are proposed and when consent is needed before proceeding with a finance application.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →