Car Finance

Know Your Car Finance Options Before You Sign

Before you accept the dealer's offer or fill out another bank form, let us compare car finance from 50+ Australian lenders so you can see where you actually stand.

Check My Finance Options Speak With A Broker

Why It Pays To Compare First

Dealer finance is convenient — but it's rarely the full picture. An independent broker compares across the wider market and walks you through what the numbers actually mean.

Dealer finance usually shows one or two lenders, not the market

Bank forms don't always cope well with self-employed income

Repayment structure matters more than the rate on the sticker

Every speculative application leaves a footprint on your credit file

Knowing your position first means you negotiate from strength

One broker handles everything from first call to settlement

Dealer Finance vs A Broker

Dealer Finance

What you might typically encounter

Often one or two in-house lenders

Built around closing the vehicle sale

Limited view of the wider market

Convenient — but rarely the full picture

Freedom Capital Finance

Independent broker advantage

Side-by-side comparison across 50+ lenders

We take time to understand your situation

Repayments and structure explained simply

One point of contact, end to end

Car Finance We Help With

New Car Finance

Brand new off the showroom floor, with options compared independently before you sign.

Used Car Finance

Used and pre-owned vehicles, including dealer and private listings, subject to lender criteria.

Dealer Purchase Finance

An alternative quote alongside what the dealer puts in front of you — so you can compare apples with apples.

Private Sale Car Finance

Buying off a private seller? We coordinate the vehicle checks, payout and settlement.

Refinance Existing Loans

A second look at a current car loan to see whether a better term or structure is available.

Ute & Work Vehicle Finance

Utes and work vehicles for PAYG employees, sole traders and ABN holders alike.

How It Works

Quick eligibility check

60 seconds online. No application, no credit hit.

A proper conversation

We listen to your income, your goals and your timing.

Options on the table

We shortlist what fits from across the 50+ lender panel.

Your call

Formal application — and the credit enquiry that comes with it — only happens with your consent.

Car Finance FAQs

No. The initial eligibility check isn't a credit application. A formal enquiry is only lodged with your written consent if you decide to proceed.

Yes — and it's usually the smarter way. Walking into a dealership knowing your numbers gives you real negotiating power.

We do. We handle the vehicle checks, the payout to the seller and the settlement paperwork, subject to lender criteria.

Yes. PAYG, sole traders, ABN holders, contractors and company directors all welcome. Documentation requirements vary by lender.

None. The eligibility check is so you can make an informed call — not a commitment to anything.

See What's Actually On The Table

Quick eligibility check, a phone call, or send through a message — whichever suits you.

Check My Finance Options Speak With A Broker Get In Touch

No obligation. Credit enquiry only with consent.