Frequently Asked Questions

How quickly can I get approved?

If you have no prior credit issues, approval is normally within 1 business day. Applicants with previous credit problems may take longer.

How long do I have to be in my job to get approved?

We have no minimum employment requirement. Provided you can comfortably afford a car, we can likely assist.

I have defaults on my credit file. Can I still get approved?

Often we can still assist applicants with prior credit issues and we encourage you to still enquire with us.

I am a discharged bankrupt. Can I still get a loan?

Many lenders will ask for you to be discharged from your bankruptcy for at least 12 months but we don’t. As long as you are working and your bankruptcy has been discharged for at least a day, we can often still assist.

What is the difference between a car loan and personal loan?

Car loans are used for the purchase of a car only and the car is used as collateral for the loan. A personal loan is normally unsecured and the funds can be used for any legal purpose (holiday, wedding etc). We have access to lenders who can provide secured car loans, unsecured personal loans and even property mortgages.

Can you help me find a car?

Yes absolutely. We have a car broker who can assist you in finding the perfect vehicle or you can find one yourself.

I’m self-employed but have no financials, can you still help?

Yes, we have several options available for self-employed applicants which include ‘low doc’ (limited financials) or ‘no doc’ (no financials required).

Got any other questions?

Contact Us

Call us on 1300 4UCARLOANS