FAQ's

How do I Apply for Car Finance?

It couldn't be easier; you can either apply quickly and securely online or give us a call one of our friendly personal car loan advisors will be happy to help. Whichever way you choose your application shouldn't take more than a minute or so to complete. Once completed, Our Car Finance Consultants will call you back and they can organise a Car Loan in Adelaide, Car Loans Sydney, Car Loans Melbourne, Car Loans Perth, Car Loans Gold Coast and if you’d like to repayment guideline please use the Car Loan Calculator available on most pages on this website.

What happens when I Apply for Car Finance with Carloansales?

A credit reference search will be carried out and a credit score will be calculated, which will determine if we can offer you a loan. We'll phone you if we have any more questions. If your loan is agreed in principle, we will try and contact you over the phone to let you know. We will send your finance documents to be signed and returned to us along with any additional information required to support your application. After returning your documents to us, your loan will be processed for payment by EFT to the vendors nominated bank account.

I know my credit rating is good, but I'm worried about high interest rates?

Don't be. When it comes to finding you the perfect deal, our panel of lenders can offer us some really good rates. Which means we can give you the lowest rates around, often better than most dealers and the banks themselves.

How long will it take to get a decision once I've applied?

We will try to process all applications within the hour, although sometimes it can take a little while longer. In most cases we can give you a decision on your car finance application shortly after you apply.

Can you help me if I have a Car on Finance with Negative Equity?

Yes, we can help you to get negative equity car finance, just give us a call. We can find the best quote for you from our large selection of lenders.

I'm Self Employed can I get Car Finance?

Yes, being self-employed doesn't stop us finding you a great car finance deal. Just give us a call or apply on line.

Do You Finance other items aside from Cars?

Yes we do. We welcome all enquiries on all items that can be financed. This includes, Trucks, Farm Equipment, Machinery, Caravans, Boats and other Marine items, Phone Systems, Hardware and Software.

Can I choose the date to make my repayments?

Just let us know your preferred payment date after your loan has settled and we'll arrange it for you.

When is a Credit Reference carried out?

This will happen when you make an application.

Is my Car Loan Application Confidential?

Yes. We take pride in our confidentiality agreements. Please refer to our privacy policy contained within the terms and conditions, for further details on how we process your information.

Can I get Car Finance even if I have a Bad Credit Rating?

Yes, you can. We're experts at providing car finance for people who have had problems obtaining credit. As long as you are not currently bankrupt, having a poor credit rating doesn't stop you from getting a car loans with us, even if you've been refused before. We have deals to suit everyone whatever your situation or credit history.

I've been turned down elsewhere, is it still worth applying?

Yes. Every day we help customers who have been turned down by other lenders. Our acceptance rate is always one of the greatest. But make sure you are not currently in a Part 9 Agreement or currently serving a Bankrupt period.

I was made Bankrupt two years ago, would I still be accepted?

Yes, it doesn't matter to us if you were bankrupt, have had defaults or even had previous cars repossessed. We can still help you as long as you are discharged. Apply today!

How Long is my Offer Valid for?

For thirty days, although an extension can usually be arranged if buying your car is delayed for any reason.

How Much Can I Borrow?

Your credit limit takes into account a number of things, such as your credit history and income. We find for the majority of our customers we're able to offer the credit limit they request.

Where do I start?

This offer is valid to business use customers borrowing more than $60,000 on New or Demonstrator model cars up to 2 years old.