Car Finance Broker
Free Car Loan Eligibility Assessment
- More than 60+ lenders available
- Low Interest Loans
- No Deposit
- Quick Approvals
Your Trusted Car Finance Broker!
At eCarz, we specialise in car finance, ensuring a seamless process when purchasing a vehicle from any seller – private or dealership.
As a leading car finance broker, we make securing a private car loan quick and hassle-free, so you can drive away in your chosen vehicle sooner.
eCarz is the trusted car broker for all car refinancing and asset finance. Call 1300 378 387 or take our eligibility assessment today!
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Get a FREE car loan eligibility assessment and compare car finance and leasing options without accessing your credit file.
Our car finance brokers will get back to you within a few short hours with information on whether we can loan you for a new vehicle, boat, or piece of equipment.
*All car finance quotes are supplied to you free and without any obligation.
Why eCarz?
eCarz are car finance broker, who can help with finance, refinance, insurance, and warranties for cars, boats, bikes, jet skis, trucks, equipment, and more. We understand that applying for finance can often be overwhelming but our customers enjoy the following perks when they choose our easy car finance team as their finance broker!
Incredibly high approval rate
Fast and easy loan approval process
Cheap loans Brisbane, Sydney, and Melbourne at the lowest possible interest rates, customised to best suit your circumstances
Less documents and time-consuming paperwork
Help for both employed and self-employed loan applicants with and without financials
Get a FREE car loan eligibility assessment and compare car finance and leasing options without accessing your credit file.
*All car finance quotes are supplied to you free and without any obligation.
Frequent Asked Questions
This is critical because car loan repayments could take up to 5 years, or even longer in some cases, so making sure that you have a steady source of income is important.
If you are sure that you can manage the monthly repayments, then you are good to go.
The first thing to do is to thoroughly review your credit report and look for inaccuracies like the ones listed above. If you can find some and dispute them, your score could go a little higher.
If the credit review did not help, then you may need to do a little cleanup and establish a good credit history before you apply for a car loan.
Don’t worry if the car is needed immediately because we have many lender partners who cater to bad credit car loans.
Determine Your Credit Standing
Buying the Right Car Made Easy
Interest rates and approval are largely influenced by your credit history. A low credit score could mean a higher interest rate or, worse, your car loan may not be approved. Here are some things that you need to check to clear out inaccuracies and potentially improve your credit score.
- Duplicate debts being listed.
- Fraud or identity theft.
- Incorrect debt amount.
- Being listed as in default by mistake.
- Even an incorrect name or address.
Note that free credit report providers use data from different reporting agencies so you may need to do some investigating if your score varies from one provider to the other.
This is where a car finance broker can help. Navigating through your credit report can be intimidating or even alarming if you do not know what to do.
You can get a copy of your credit report from these sources.
Flexible Loan Repayment Options
The amount of money you pay for your car loan every month is a big consideration. There are different options available, each with their own advantages.
This means that your monthly repayments could vary depending on the prevailing interest rates. If interest rates go down, your monthly repayment could go down as well and vice versa.
Repayments do not go down automatically though, so make sure to ask about it if you choose to have a variable interest rate.
This means that you pay a fixed amount for the entire term of the loan. This is great for budgeting since you know exactly what you will pay every month, but you won’t be able to take advantage of rate cuts either.
Balloon payments allow for a lower monthly repayment, but you will have to pay a certain lump sum at the end of the loan term. You also have the option to refinance the balloon payment if you do not have the amount ready.
Some lenders will allow you to make extra payments on your car loan. Depending on the type of loan you choose, this could potentially save you thousands of dollars in interest payments and you can pay off your loan early.
A few lenders will allow you to pay off your car loan early without charging early termination fees.