What are my chances of approval?
We consider things such as: have you ever filed for bankruptcy, do you own a home, how much is your current income, how long have you been employed at your current job, how long have you lived at your current address, do you have a credit rating, is it a good or bad credit rating, what is your net worth, and so on. The financial officer will then apply some maths to ascertain your credit status, determine the security over the loan, your current debt level, your income, and your ability to repay the debt. From this we will determine how much money you can borrow. You can do the sums yourself to determine your monthly budget. Simply deduct your expenses from your after-tax earnings.

Do we offer business finance?
Yes - Hire purchase, chattel mortgage, novated lease, or finance lease is available to both company & individuals providing the goods are to be used predominantly for business use. Other products include fully maintained car lease, luxury car lease, equipment finance, machinery finance, & farm finance. Business finance is usually lower interest rates, and there are many structures available to maximise your budget or tax benefits. Contact us or speak to your tax adviser.

How long does it take to get approved?
Usually just a few hours, however complex or difficult applications can take a few days. Once approved original finance documents must be signed and the supplier will be paid directly usually within 1-2 days. For a fast approval apply online now.

Can I get my finance approved before purchasing?
Yes, providing you can give us an idea of what you're intending to purchase. Getting pre-purchase approval before you go shopping is a good idea, allowing bargaining power on the showroom floor. We need to assess the total amount of finance against the current market value of the item. We must also approve your supplier, as there are many fraudulent vendors in the market place.

Are your interest rates competitive?
We will consistently monitor current interest rates to maintain and offer low rates. However, the interest rate offered may vary by several per cent depending on whether you are a high or low-risk borrower.

I've got a bad credit rating?
We will always provide you with the most competitive offers we have available, however those with high risk, bad credit ratings or ex-bankrupts generally pay a higher interest rate to cover the higher risk.

Can I buy a car privately? Can I buy from a dealer?
Dealer, auction, private car sale and re-finance are welcome. Some used cars may require a vehicle inspection (eg NRMA or RACQ) supplied to us prior to payment, particularly those purchased privately.