Don’t sign before asking us for a quote. We specialise in this area.  We can provide finance, insurance and warranties and can assist in finding the right vehicle for you!

We have access to a range of options and can arrange finance to suit your individual circumstances.  Pre Approval is a great way to shop and allows you to take advantage of the best deals, safe with the knowledge of you much you can spend and what your repayments will be.

PERSONAL LOANS
There are two types of loans available for personal use; Secured & Unsecured. A description of each is listed below.

SECURED
Most personal use loans in Australia for cars, boats, bikes etc are secured. As an individual you are borrowing money to purchase a tangible item like a vehicle or boat which will be used as security against the loan. If you choose to sell the goods during the term of the loan, you must then payout your loan, and get a new loan if you require money to buy something else.

UNSECURED
This is a very versatile loan, as it can be used for nearly any purpose including debt consolidation, for a holiday, weddings, furniture, or even cars or boats that do not qualify for the secured loans above.

Whether you want to purchase some furniture, consolidate your debts, or maybe even go on a holiday, a personal loan is a simple way to assist.

Traditionally personal loans are the hardest loans to qualify, as the lender does not necessarily take an asset as security on the loan. Unsecured Loans are credit score assessed meaning each application is given a ‘score’ based on factors such as stability, asset position, and credit history.

In order to qualify for an unsecured personal loan the applicant must have clean credit history. The applicant must also have stability in their employment and within in their residence. Good payment history on any existing finance is also essential.

SECOND CHANCE FINANCE
Slow payments, defaults, or poor credit history holding you back?  It’s not uncommon these days for people to have a blemish on their credit file. Perhaps you forgot to pay off your credit card, maybe missed some repayments on a loan, have a telephone default, you’ve been bankrupt, or just unlucky.

Your credit history should not hold back your future.
We have unbiased and experienced staff for these 2nd chance scenario’s.

  Interest rates for this second chance product are generally higher than all other types of finance, which relates to the level of risk. A requirement for second chance car loans is that you must purchase the vehicle from a Licenced motor dealer instead of privately.