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
Private Sale Car Loan
Buying a used car privately? Bring the seller, vehicle checks and payment arrangements into one clear plan.
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.
Buying a used vehicle from a private seller? We can help you understand the finance requirements, vehicle checks and settlement steps. Share the vehicle details, agreed price and seller information so we can discuss a practical next step.
- Purpose
- Buying a vehicle directly from a private seller.
- How it works
- Vehicle, seller and payout arrangements need review alongside your finance request.
- 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
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 have agreed a possible purchase price with a private seller and want to understand the checks and payment arrangements.
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
A PPSR check can identify registered security interests; it does not replace a mechanical inspection or confirm the seller’s identity.
Australian Government: PPSR vehicle checks ↗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
Seller details, VIN, registration, agreed price and information about any existing finance on the vehicle.
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.
What if the seller still has finance on the car?
Obtain current payout information and confirm the agreed settlement process before paying. Seller identity, vehicle details, registered security interests and payment instructions need checking. Do not assume paying the seller will discharge the existing finance.
What details do I need from a private seller?
Start with the vehicle description, registration or VIN, price and seller details. Ask the team how to provide documents securely before sending identity or bank details.
How can I check for finance owing on a used car?
An official PPSR search can show registered security interests against a vehicle. It does not replace checking the car’s condition or confirming the seller’s identity.
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.
Check registered security interests through the official PPSR car check.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →