Compare the Best Car Finance Brisbane has to offer

We Make Brisbane Car Loans Simple

Skip the wait and get behind the wheel of your dream car sooner.

Finance King offers a fast application and approval process for car finance. We can provide you with pre-approval within 24 hours, allowing you to start shopping for your car on the same day you apply. Our car loan experts review the information you’ve provided, then connect you with the right lender from our network of 35+ options.

With a streamlined process and fast approvals, you’ll soon be on your way to pick up the new keys to your dream car.

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How it Works

Get behind the wheel or a new or used car in Brisbane faster with Finance King. Whether it’s a 4WD, electric vehicle, or commercial vehicle, our experienced car brokers will do the leg work to find the best rates and the best deals on new and used car loans.

Explore car loan options in Brisbane with Australia’s trusted broker, Finance King. We compare the loan options from the list of reputable lenders below (and more) to make sure you get the best finance option for your car purchase.

Working with a Car Finance Broker vs Lender

Sure - working directly with the lender can simplify the process, but it also means you’re not necessarily getting the best deal, rates, or terms. In fact, the big financiers, lenders, and banks are going to be acting on their best interests - not yours.

When you work with Finance King, you get access to more than 35 different lender options. Which means we’ll actively source, compare, and match up your personal requirements with the right car loan product. You’re our client - so we’ll work on behalf of your best interests. We’ll compare the options for you, and we’ll make sure that you don’t commit to a loan or a rate that does not meet your financial circumstances.

Frequently Asked Questions

Can I get pre-approved for a car loan?

Yes, our car loan brokers can work to get you pre-approved for a new or used car loan on the Brisbane in just 24-hours from your first contact. It completely depends on your timeline, but if you're in a hurry to secure a vehicle, we can work to ensure a fast turnaround so you can make that purchase. 

Do you offer finance for used cars?

Yes, we offer finance for used vehicles. It's worth noting, however, that car loans for used vehicles will generally attract a slightly higher interest rate than a comparable new car loan due to the slightly higher level of risk taken on by the lender. The same goes for caravan loans in Brisbane for old or used motor home models.

How much can I borrow?

How much you can borrow will depend on your unique financial circumstances. Factors such as your loan history, employment status, debt-to-income ratio (DTI), and a range of other factors are used to make this assessment.

As car loan brokers - we work for you. Our job is to understand what you're looking to do and then go to the market to secure the best possible loan products with the most favourable repayment terms. 

How do car loan repayments work?

Car loan repayments will work to pay off the principal of the loan - this is the amount that is borrowed to purchase the vehicle - and then part of the interest of the loan - this is the amount that is charged to you by the lender.

The terms of each loan are slightly different, so it's important to understand your repayment obligations and schedule before moving forward.

How often to interest rates change?

It depends on whether you have a fixed loan or a variable loan rate for your vehicle finance. If you have a fixed rate, then you won't be affected by interest rate changes. If, however, you have a variable interest rate for your car loan, then the rate can fluctuate regularly based on market conditions and will be reflected in your monthly repayments.

What is the difference between an unsecured car loan and a secured car loan?

The main difference between an unsecured and secured car loan is the security for lenders. Unsecured car loans have no collateral which can give you more freedom and flexibility – however, there’s more potential risk for lenders, which also often means a higher interest rate. As secured car loans do have collateral (the car), they have a lower interest rate but higher borrowing limits.

Can I still get a car loan with bad credit?

Yes, it’s still possible to get a car loan/finance if you have a bad credit score or poor credit history. While that doesn’t mean that all lenders will say yes, it does mean that all lenders will assess your application against their own eligibility criteria and weight things differently. Lenders will also look at things like your current employment status, debt to income ratio, and a range of other factors to determine your eligibility.

We have experience helping clients secure bad credit car loans in Brisbane and work with a number of lenders who may be able to assist. When applying, we will make a soft check on your credit file to gauge your chances of securing a car loan without affecting your credit score or making an inquiry on your credit file.

Can I get car finance for a private vehicle purchase?

Yes! It doesn’t matter whether you’re purchasing from a private seller, second hand dealer, or a new car dealer, we can help.

Do you offer used car loans?

Yes! We offer car finance for used/second hand cars. We know that the second-hand market is a great place to drive your dollar further and get into the best car for the money, which is why we offer competitive rates on used car finance in Brisbane. All rates are calculated based on factors like the car itself, the terms of the loan, and your personal financial situation.

Can I get finance if I’m buying from a dealership?

Yes, we can provide finance for new and used cars purchased directly through the dealer. Despite the fact that many dealers will insist that you use their in-house finance, it’s always worth looking at private lenders to find the best deal. We pull together the best rates from more than 35 different lenders and can help you find the best loan package for your personal circumstances.