Australia’s most accessible financial broker

Let’s talk loan details

Loan amounts

Up to $150,000

Loan terms

3, 5, and 7 years (depending on the age of the asset)

Loan types

Secured and unsecured

Repayments

Weekly, fortnightly, and monthly

Interest rate

Fixed

Car Finance FAQs

If you haven’t used a finance broker before, you probably have some questions. Let’s help you get some answers.

Are car finance rates negotiable?

A car loan broker can negotiate with the lender to get you a better deal on your car finance.

Can car finance be in joint names?

Yes, car finance can be in joint names. The specific application and eligibility requirements will depend on the lender. Often a joint loan will be taken out by long-term partners, married couples, or joint business owners.

Will car finance affect my credit score?

Just like other types of loans, a car loan will affect your credit score. It will have a positive impact if you make payments on time and eventually settle your loan. And it will have a negative impact on your credit score if you miss payments.

Can car finance be transferred to another person?

While you can transfer ownership of an encumbered car to another person, it is unlikely that you will be able to transfer the car loan.

Responsible lenders are required by law in Australia to meet certain requirements that ensure the person getting a loan will reasonably be able to repay it. This is why credit history checks and financial records are required before a loan can be approved. A lender would not have access to this in the event of you transferring the debt to another person.

Should I use a car finance broker?

Some people prefer to handle everything themselves and there are a lot of resources available to help guide you through the process. But there are a lot of car finance options available in Australia and it can be hard to know which way to go.

A car finance broker streamlines the application process and negotiates to get the best deal for you. By using a loan broker you can relax and feel confident that you’re getting a loan deal that will fit your unique circumstances and needs.

Can you pay off a car loan early?

This depends on the terms and conditions set out in your car loan.

Why choose Oceania Finance?

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Large network of specialist lenders

Fast, friendly service with access to lenders nationwide. We have a solution for every credit rating – great, good, average or bad.

Tailored loan solutions

Everybody’s finance needs are slightly different. We don’t just get you any old loan. We work hard to get you the ideal loan and secure it on your behalf.

Friendly, local expertise

Oceania Finance is a team of local finance brokers, not a faceless corporation. We’re just Aussies helping Aussies get finance!

Our Process

Step 1

Submit basic information.

Step 2

One of our expert brokers contacts you for more information.

Step 3

We review lenders and negotiate to find the best loan for you.

Step 4

We file the application on your behalf.