New cars
Pre-approval before you negotiate, so the price and the finance are separate conversations.
Get pre-approved Car Loans
Know your budget before you visit the showroom.
Get pre-approved before you walk into the showroom, so you can negotiate like a cash buyer. New, used or private sale, compared across lenders rather than taken from a single finance desk.
How I can help
Whatever you are buying and wherever you are buying it from.
Used cars
Dealer or private sale, with lenders that suit the vehicle age and loan amount.
Finance a used carPrivate sales
Finance checks and settlement with the seller handled for you, so you don't inherit someone else's debt.
Buying privatelyWhat I handle for you.
One conversation, a clear answer and the paperwork done.
- Lender comparisonNot just one finance house. Rates, fees and features compared.
- Pre-approvalKnow your budget before you start looking.
- PPSR checks on private salesConfirm the car is not under existing finance or reported stolen.
- Settlement with the sellerFunds paid directly so the handover is simple.
- Plain-English termsComparison rate, fees and any balloon explained before you sign.
- Quick turnaroundWe'll respond to your enquiry as soon as possible.
What might your car cost each month?
An estimate only. Actual rates depend on the lender, the vehicle and your credit profile.
Car & equipment calculatorClient reviews
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
Should I get pre-approved before going to a dealer?
It helps. With pre-approval you know your budget and can negotiate the car price separately from the finance. Read car loan pre-approval.
What is a comparison rate?
A rate that combines the interest rate with most fees and charges, so you can compare loans more fairly. It is calculated on a standard example, so your actual cost may differ.
Can you finance a private sale?
Yes. I'll arrange the loan, check the vehicle on the PPSR and pay the seller directly at settlement.
Do I pay for your service?
For most loans, no. Lenders pay us a commission when your loan settles. Before we go ahead you'll receive our Credit Guide, which explains how we're paid. If a fee ever applies, it's disclosed in writing before you commit.
Worth a read.
Car loan pre-approval: sort your finance before the dealership
Why getting car loan pre-approval first helps, secured vs unsecured loans, dealer finance vs a broker, balloon payments and checking the PPSR.
How brokers are paid: commissions, fees and your rights
How mortgage and finance brokers are generally paid, what the Credit Guide and credit quote tell you, and how the best interests duty protects home borrowers.
Found the car? Let's get you pre-approved.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Car loans are subject to the lender's credit assessment and eligibility criteria. Fees and charges apply.