Getarealcarrate,notastickerrate.
The rate the dealer quotes you on the day is rarely the best rate available. We work 40+ lenders to find the sharpest car loan for your file — usually back the same day.
Three reasons that show up on your statement, not just your homepage banner.
The dealer's finance department isn't your friend
Dealer finance is a profit centre — they're paid on commission and tied to one or two lenders. We're paid by the lender, not by you, and we're tied to 40+. That maths usually wins.
Pre-approval gives you negotiating power
Walk onto the lot with a rate already locked in and the conversation changes. The dealer can match it (you've won) or they can't (you've still won).
Refinance is a quiet win
If you've been in your existing car loan for 12+ months, there's a strong chance we can shave 1–3 percentage points off the rate. Same car, same monthly budget, less interest paid.
Loan basics.
Standard shape of a car loan we'd write for a prime customer on a newer vehicle. Your file may differ — we'll quote it.
- Loan term
- Up to 7 yrs
- Indicative rate
- From 5.89%
- Max amount
- $200k+
- Decision time
- Same day
Used or new, dealer or private sale — we write both.
- First-time car buyers comparing dealer finance to a broker quote.
- Upgraders trading the family wagon for something newer.
- Refinancers stuck on a rate from 2–3 years ago that hasn't moved with the market.
- Pre-shoppers who want a rate locked in before they walk onto a lot.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Westpac
- CommBank
- ANZ
- NAB
- BOQ
- Pepper Money
- Capital Finance
- GoGetta
- Money3
- Liberty
- Plenti
- Firstmac
Five steps from 'thinking about a car' to 'the money's at the dealer'.
- 01
Share the basics
Loan amount, term, whether you've picked the car yet. Phone or microform — your choice.
- 02
Soft credit check
No impact on your score. We come back with an indicative rate from the lender most likely to write your deal.
- 03
Confirm the car
Year, make, model, VIN if you have it. Dealer or private seller.
- 04
Formal approval
Usually 24–48 hours. We submit the file with all supporting docs.
- 05
Settlement
Funds go directly to the dealer or seller. You drive away.
Londy sorted out a small loan for me to buy a car. Excellent, fast communication. Explained things very clearly. Got me a great deal with a low rate that works for me. Couldn't recommend them highly enough.
Common questions before you sign.
Should I get pre-approved before I go to the dealer?
Yes — almost always. A pre-approval gives you a fixed rate and loan amount in writing, which means you can focus on negotiating the car price instead of getting steered toward the dealer's finance options. Pre-approvals are typically valid for 30–60 days.
Can I finance a used car?
Yes. Most lenders write used cars up to about 12–15 years old at end of loan term (so a 7-year loan on a 5-year-old car is fine). Older cars or unusual makes go to specialist lenders at slightly higher rates.
What's the difference between a secured car loan and a personal loan for a car?
A secured car loan uses the car as collateral, so the rate is lower. An unsecured personal loan doesn't, so the rate is higher. Always ask for a car loan if you're buying a vehicle — even if you haven't picked it yet.
How much deposit do I need?
Often none. Most lenders write 100% finance on car loans (the car itself is the security). A deposit or trade-in lowers your loan-to-value ratio, which can sharpen the rate slightly — but it's not a hard requirement.
Can you refinance my existing car loan?
Yes, and we should look at it. If you're more than 12 months into a car loan signed before mid-2024, there's a fair chance we can drop your rate. Send through your current loan statement and we'll run the numbers — no obligation.
Get a real rate from a real broker — usually back the same day.
Drop your details and we'll be back to you, usually the same day. Or call and skip the form.