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We have Australia’s largest Asset Lending Panel

Low Interest Loans, No Deposit, Quick Approvals
Compare 40+ lenders to find the best car finance deal in Australia



EASY FINANCE. FROM 4.79%*

With a choice of more than 30 lenders available, we will customise the best deal possible to suit your needs and have you approved for finance TODAY.

eCarz and 1800Approved will help you fund the asset that will improve your life. We provide loans for cars, boats, bikes, trucks, equipment and more with our award winning financial solutions.

Let us know how we can help you fund your asset by filling out this form. There’s no obligation to sign up, just a potential financial option to help you get your asset. We’ll get back to you within a few short hours to let you know if we can give you a loan to get a new vehicle, boat or equipment.
OUR FINANCE CALCULATOR
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WHY eCarz?
eCarz are the finance experts! We will help you fund the asset that will improve your life. We provide finance, insurance and warranties for cars, boats, bikes, jet skis, trucks, equipment and more with our award winning finance solutions.

We undestand that applying for finance can oftern be overwhelming. Our customers enjoy the following perks when they choose us as their brokers
- Incredibly High approval rate
- Fast and Easy loan approval process
- Your car loan at the lowest possible interest rate customised to best suit your personal circumstances
- Less Documents and time consuming paperwork
- Help for both Employed and Self-Employed loan applicants with and without financials
Pre-Approved Financing
Getting pre-approved ensures that you are able to secure a loan in Australia without going over budget. When as you are pre-approved, all you need to do is choose the asset that you love.
Interest Rate
Our rates start at 4.79%* for brand new cars. With over 40 lenders in our panel, we are sure to find the best deal for you.
* based on a commercial contract for a new vehicle with specific criteria.
Personal New and Used Car Financing
Our goal is to help you save time & money on yourpurchase. Talk with us before visiting any dealership and you'll be in a better bargaining position.
Car Loans for Businesses
Our Expert brokers here at eCarz will help you determine the best type of loan for your business. A few factors to take into consideration are; the nature of your business, tax considerations, and cash-flow requirements. Talk with us for tailor made financing options.

Leasing
Under this agreement, you use the car while the lender retains ownership of the asset. At the end of the term, you have the option to buy the car or trade it in for a newer model. Talk with us for more information about leasing a car in Australia.
Novated Leasing
This is perfect for businesses who want to provide a car for their employees. The many benefits for both the employer and employee makes Novated Leasing a very viable option. Call us and we will coordinate all the process to make it hassle free for you.
Chattel Mortgage
A Chattel mortgage has huge tax and GST benefits. It is a very good option if you are purchasing a car for business purposes. Our expert finance brokers will be glad to answer any questions you may have regarding this option. Call us.
Hire Purchase
A great option for businesses who want to purchase a car without disrupting their cash flow. With a Hire Purchase agreement, car loans are financed 100% with a fixed or flexible term.
Bad credit car loans
Second chance purchases are common here at 1800Approved. We have successfully assisted clients secure bad credit car loans even when numerous banks have turned them down and all hope seems lost.
Low Doc Car Loans
Great for business owners and the self-employed who may not have all the necessary documents available for a conventional car loan.

Tips for an easy loan approval


Getting approved is not hard at all. There are so many lenders and they all want your business. It is just a matter of choosing the best quote that suits your needs.

To ensure a speedy process make sure to have the following ready:
• Identification.
• Bank statements.
• Pay slips.
• Tax returns.
• Centrelink statement (if applicable).
• Credit card statements.
• Mortgage statements.

How much loan repayment can you afford?


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.

Do you have a regular job or a stable business?

If you are sure that you can manage the monthly repayments, then you are good to go.

Determine your credit standing


Car loan interest rates and approval are largely influenced by your credit history. A low credit score could mean a high interest rate or, worse, your car loan may not be approved.

You can get a copy of your credit report from these sources.

Creditsavvy
Credit Simple
Finder
Getcreditscore

Here are some things that you need to check in order 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 and address.

Make sure to review your credit report once a year in order to catch fraud and inconsistencies before they affect you financially.

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 finance broker can really help. Navigating through your credit report can be intimidating or even alarming if you do not know what to do.

What if you have bad credit?
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 clean up 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.

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 to you and each of them have their own advantages.

Variable Interest Rate 
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 when interest rates are down so make sure to ask about it if you choose to have a variable interest rate.

Fixed 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 Payment 
Balloon payment allows 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.

Additional Payments 
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.

Early Termination 
A few lenders will allow you to pay off your car loan early without charging you early termination fees.

OUR LENDERS
A LITTLE MORE INFO
Whether you're in the market for a new vehicle or an upgrade, eCarz has the means to find just what you're looking. In partnership with 1800 Approved, we can provide loans for such life-changing assets as cars, boats, motorbikes, trucks, machinery and more, plus our award-winning financial advice.
 
We have more than 30 professional lenders at our disposal, enabling us to meet your needs with an amazing customised deal and the best part; we can have you approved for finance TODAY. 
 
If you're in the market for something off-road, eCarz also supplies finance for boating enthusiasts. Whether it's a personal jet ski or something a little bigger, our lenders can set you up with a loan to get out on the water sooner.
 
Best of all, our financial connections generate amazing benefits for you, including quick and convenient option comparison, access to a wide range of lenders, speedy finance quotes and approvals, and confidence that you will get the best deal possible.
 
Let us know how we can help you fund your asset by filling out this form. It's obligation-free, and we’ll let you know within hours whether we can give you a loan to get a new vehicle, boat or equipment.
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