Compare 50+ Lenders with eCarz
Car Finance Broker
FREE Quick Apply Form
Our brokers assess your eligibility for car finance before accessing your credit file!
- Compare 50+ lenders
- Look for a lower rate or lower repayments
- Free, no-obligation assessment
- Fast response for eligible applicants
What does a car finance broker do?
A car finance broker compares loans from multiple lenders on your behalf, so you don’t have to apply to each one. eCarz Finance is a Brisbane-based broker (Australian Credit Licence 518268) with access to more than 50 lenders. We arrange new, used, private-sale, refinance, novated lease and truck finance for customers across Australia, including employed, self-employed and past-credit-issue applicants, subject to lender assessment and approval.
Real Reviews. Real Experiences.
Our lenders
How eCarz car finance works
Getting car finance through eCarz takes four steps. Most of the work is handled by your broker.
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Free Eligibility Check
Tell us about the car you want, your income and your budget. We’ll run a free car loan eligibility assessment without accessing your credit file, so you can see what’s realistic before you commit to anything. Quotes are free and come with no obligation. -
Compare Your Options
Your broker compares loan options from our panel of more than 50 lenders. We look at interest rates, comparison rates, fees, loan terms and balloon options, then explain the trade-offs in plain English. We work for you, not a bank or dealership. -
Submit Your Application
Once you’ve chosen a loan, we prepare and lodge the application with the lender and handle the paperwork and communication on your behalf. Pre-approval is often available within 24 hours for complete applications, subject to lender assessment and approval. -
Approval and Settlement
When the lender approves your loan, we help you review and sign the loan documents and coordinate settlement with the seller or dealer.
Types of finance we arrange
eCarz arranges vehicle finance for customers Australia-wide, including:
New and used car loans:
Finance for a car from a dealer.
Replace your current car loan with one that better suits your budget or circumstances.
Finance a car bought from a private seller rather than a dealer.
a salary packaging arrangement for employees, where lease payments are made from your pay through your employer.
Finance for trucks and work vehicles, for businesses and sole traders.
Finance for motorbikes, boats, caravans and much more
Get a FREE car loan eligibility assessment and compare the car finance and leasing options without accessing your credit file.
All car finance quotes are supplied to you free of charge and without obligation.
Who we help
Our brokers work with a wide range of borrowers, so you aren’t limited to what one bank will offer.
- First-time car buyers: if you haven’t had a car loan before, we explain how car finance works, what you can afford and which options suit a shorter credit history.
- Self-employed and small business owners: we help sole traders, contractors and business owners who don’t have regular payslips. Lenders can assess your application using documents like tax returns, BAS and bank statements.
- Employed applicants: if you’re in stable employment, we compare lenders to find competitive rates and terms for your situation.
- Applicants with past credit issues: we work with specialist lenders who consider applicants with a default, late payments or other credit issues. Eligibility, rates and terms depend on your circumstances and the lender’s assessment.
- Existing car owners: if you already have a car loan, we can review whether car refinancing makes sense.
High approval rate
Fast approval process for eligible applicants.
Competitive loan rates, with finance options tailored to suit your circumstances and budget.
Less documents and time-consuming paperwork
Help for both employed and self-employed loan applicants
Car Finance Calculator
Complete our FREE Quick Apply form and let our brokers assess your eligibility for car finance before accessing your credit file. Explore finance and leasing options to suit your circumstances.
*All finance quotes are supplied to you free and without any obligation.
Documents you’ll typically need
Lenders’ requirements vary, but you can usually speed up your application by having these ready. Your broker will confirm exactly what’s needed for your loan.
For most applicants
- Photo ID, such as your driver licence
- Proof of income: recent payslips for employed applicants
- Recent bank statements
- Details of your current debts and commitments, such as credit cards, loans and rent
For self-employed applicants
- ABN details
- Recent tax returns and notices of assessment
- Recent BAS statements
- Business bank statements [confirm whether you accept low-doc applications]
About the car
- For a dealer purchase: the dealer’s quote or invoice
- For a private sale: the vehicle’s make, model, year, VIN and registration, plus the seller’s details
- For refinancing: your current loan statement and payout figure
Not sure what you have? Complete our FREE Quick Apply form and let our brokers assess your eligibility for car finance before accessing your credit file. Explore finance and leasing options to suit your circumstances.
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Car Finance Broker FAQ's
What does a car finance broker do?
A car finance broker compares loan options from a panel of lenders, helps you choose a suitable product and manages the application and lender communication. At eCarz we work with more than 50 lenders rather than being tied to one bank or dealership.
Is it cheaper to use a broker than go direct to a bank?
Not always, but a broker can show you several lenders’ rates and terms side by side, including lenders you may not approach yourself. Compare the comparison rate, fees and loan term, not just the headline rate.
Can I get car finance with bad credit?
Yes, it can be possible to get car finance if you have bad credit.
The first step is to review your credit report and check that the information recorded is accurate and up to date. If you identify an error, you may be able to request that it be corrected.
If your credit history has made it more difficult to access finance, taking steps to improve your financial position and establish a positive repayment history over time may help with future applications.
If you need a vehicle sooner, there may still be finance options available. We work with specialist lenders who consider applicants with past credit issues, with eligibility and loan terms depending on your individual circumstances.
Can self-employed people get car finance?
Yes, at eCarz we’ve helps both employed and self-employed applicants. Many lenders assess self-employed applicants using tax returns, BAS or bank statements. Speak to our car finance broker for more information.
How long does car finance pre-approval take?
Pre-approval is often available within 24 hours for complete applications, subject to lender assessment and approval. Your Broker will be able to give you a better idea of approval time on your first phone call.
Does checking my eligibility affect my credit score?
With our free car loan assessment form, the initial check is done without accessing your credit file. A formal application to a lender will involve a credit check.
Does eCarz arrange car finance outside Queensland?
Yes. Our team arranges car finance for customers Australia-wide.
How eCarz makes money from a finance deal
eCarz isn’t the bank lending the money. We are a finance business, eCarz Finance Pty Ltd, acts as a credit broker, connecting customers with lenders and helping arrange finance
1. Customer enquires about car finance: Through the website, a car-buying enquiry, a referral or another marketing channel.
2. eCarz matches the customer with a lender: The broker assesses the customer’s circumstances and helps compare suitable finance options from its lender panel.
3. The lender approves and settles the loan: The finance is finalised and the lender releases the funds.
4. eCarz receives commission: The lender pays the brokerage under its commission arrangement. The commission is revenue to eCarz before operating costs.