Personal & Car Finance
Buying a car, reviewing an existing loan or planning a personal purchase? Choose your goal, explore repayments and decide how much information you want to share first.
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.
What would you like to do?
Buy from a dealer
Explore finance for a vehicle purchased through a dealership.
Explore this optionBuy a car privately
Understand the extra seller, vehicle and payment checks a private purchase may involve.
Explore this optionReview an existing car loan
Consider the outstanding balance, payout costs, proposed fees and total cost of a refinance.
Explore this optionPersonal plans
Discuss a personal loan for an eligible purpose and your circumstances.
Explore this optionConsolidate commitments
Review existing debts, payout costs and the implications of a new loan.
Explore this optionLeisure and recreation
Explore finance for a caravan or other eligible leisure asset.
Explore this optionUseful to have ready.
- What you want to finance and the approximate amount
- Purchase or refinance details, if known
- An outline of income, expenses and existing commitments
- Your preferred contact method and questions
You do not need every detail to ask a question. Our team will confirm what applies to your circumstances. Please use the agreed secure channel for identity and financial documents.
What happens next?
- 01
Tell us your plans
Share your goal, timing and budget. Start online or have a conversation with our team.
- 02
Review your options
We review your profile and explain possible pathways, repayments, costs and next steps.
- 03
Move forward confidently
Choose whether to proceed. Following approval, we guide you through to settlement.
Explore your options before deciding to proceed with a formal credit application.
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.
Finance is subject to assessment and approval. Available options and conditions depend on your circumstances.
Questions before you start.
Can I generally pay a loan out early?
You can generally repay a loan early, but terms and early payout fees vary by finance provider and product. Check the terms and request a payout figure before deciding.
Should I choose the lowest repayment?
Review the total interest, fees, loan term and any balloon as well as the regular repayment. A lower payment over a longer term can cost more overall.
Do I have to complete the full application now?
No. You can start with a short enquiry or speak with the team. The full application is available when you are ready to provide more detail.