New & Used Car Consumer Finance

PERSONAL LOAN

Loans that let you live your dreams…

There are two types of car finance available for personal use; secured or unsecured,
either can be repaid over a period of up to 7 years.

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BAD CREDIT LOANS

We have a great track record of success in securing car finance for those with poor credit ratings.
Not all lenders assess risk the same way and we have an excellent understanding
of how to present your case to a lender that will consider your situation from a few different angles!

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Business Car Finance

LOW/NO DOC CAR LOANS

Are you a business owner? Self-Employed?
Maybe your employment situation means your income fluctuates,
or you’ve been unable to submit tax returns for valid reasons?
If you’re looking for car finance, but you have limited or no documentation to use to prove your income level,
we may be able to help you get the car you need.

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CHATTEL MORTGAGE

A chattel mortgage is suited for people who are going to use the car they buy for business purposes more than 50% of the time. Unlike a lease, a chattel mortgage gives you immediate ownership from the moment you buy.

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NOVATED LEASE

A better way to buy… This is a form of salary packaging that addresses

the differing needs of employers and employees.

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 LEASE FINANCE

Company purchases vehicle or equipment in exchange for rental payments.

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EQUIPMENT & MACHINERY RENTAL

Save time + money, and make better use of capital with an Equipment Rental Plan.

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Car Finance FAQ’s

What are the benefits of working with a ClickON Finance Broker?

  • You are our number one priority, we work for you, not the banks or lenders.
  • We do all the leg work comparing car finance options and lending criteria that suits your credit profile from over 30 of Australia’s most reputable banks and lenders.
  • We help protect your credit file from multiple enquiries
  • The application process is so simple, either online or by phone, and it’s obligation free.
  • Save money with fantastic repayment terms
  • We’ll help you find the perfect car at a great price, saving you thousands of dollars
  • If you ever face financial difficulty and have trouble affording your car loan repayments, just give us a call. We are here to help you liaise with your lender with the intent of reaching a solution that is beneficial to all parties.

What is the best way to apply for a car loan?

You have a few options:  Give us a call on 1300 022 044 and we can assist you immediately. Alternatively, you can fill out a Quick Quote form on this page and one of our team will be in touch to help guide you through the process. Or, if you are strapped for time, you can apply online.

How much can I borrow?

The maximum amount you can borrow for a car loan or personal loan depends on your own financial situation and your available capacity to meet monthly loan repayments.  Simply calculate monthly spending after net income, we suggest allowing a buffer for unexpected circumstances. This will give you a rough idea of what you can afford.

With your estimated repayment figure determined, take our loan calculator for a spin by changing the loan settings until the monthly repayment figure matches your estimate.

Keep in mind, most lenders have a minimum loan of $5000.

Keen to find out exactly?  Have a chat with one of our team work out what’s possible for you.

How long does car finance approval take?

f you call us on 1300 022 044 we can get approval almost immediately or complete our simple online form and we will get you an answer within 24Hours. This is what you will need:

  • Proof of Residency
  • Proof of Income
  • Proof of Employment

ClickON Loan Application

I don’t have a great credit history; can I still get a loan?

We have a great track record of success in securing car finance for those with poor credit ratings. Not all lenders assess risk the same way and we have an excellent understanding of how to present your case to a lender that will consider your situation from a few different angles!

I’m self-employed; can I still get a loan?

As business owners ourselves this is an area we specialise in the most and have a range of options to suit including low doc car loans, chattel mortgage, operating lease or rent to own all of which provide maximum tax advantages.

Can I reduce my loan faster with additional payments?

Our number one priority is tailoring your loan arrangements to suit your needs. So if you want a loan that allows you to make additional payments, then that’s what we’ll find for you.

Once my loan is approved, how do I find the right car for me?

No matter where you are in Australia, we can help you find the perfect car. And even better still, we’ll make sure it’s sold to you at the best price, saving you thousands of dollars! Just ask when you speak to one of our experts.

Are there any application costs?

Fees and charges will vary from lender to lender. As your broker we work for you saving you time and money and we provide a FREE No Obligation pre-approval service. If you choose to proceed, you will be provided with a credit proposal that will outline all the fees and charges applicable for the loan you are considering before you proceed.

Call us today on 1300 022 044 or ClickON for a QUICK QUOTE.