Buying a car is an exciting time but sometimes it can seem like a complicated process. When you are looking to finance your next vehicle our qualified Finance Managers can structure a finance package to suit your individual circumstances. From researching the options provided by our allied finance providers to finding out how much you can afford to repay, we've got you covered. Unlike many other lenders, our Finance Managers specialise purely in automotive financing, and are therefore able to offer some of the best and most competitive options available.

Cheap Cars offer a panel of finance lenders to choose from. 

Benefits of financing through Cheap Cars include:

  • Convenience of on-site Finance Managers
  • A quick application process
  • Personal service throughout 
  • Expert tailored finance package to suit your needs and budget
  • Car released once approved and finance contracts signed
  • Extended warranties

¹All applications for credit are subject to credit assessment criteria. Terms and conditions, fees and charges apply.

Finance Options

Consumer Loans

A flexible loan for private buyers, loans are available from 24 months to 84 months to suit your budget, with or without deposit. This is the most common loan structure for individuals.

Chattel Mortgage (or Asset Purchase)

This is the most popular option for financing vehicles for business purposes, with terms ranging from 24 to 60 months, and the option of a Balloon Payment. Structured with your business needs in mind and offers the benefit of claiming your GST component upfront.

*This information does not take into consideration your personal financial situation and needs. We recommend you seek independent financial and taxation advice to ensure the right product is selected for you.

Document Checklist

When applying for finance, don’t forget to bring the following:

Car loan for individual

  • 2 x latest payslips
  • Australian driver's licence
  • Medicare card

Car loan for business

  • Company financials (if applicable)
  • Individual Tax Return and Notice of Assessment (if applicable)