Car Loans

A car has become a necessary means of transportation in our mundane lives. You will require a car- to drop your kids at school, reach your office, or a road trip with friends or family. To get you started, Credific Finance will provide you with a plethora of car finance options from various credible lenders. Our trained and highly skilled car loan broker will simplify this confusing and complex process of getting a car loan without ruining your monetary conditions. Let us help you find an easy loan– that fits your budget and make your life more comfortable.

Why choose Credific Finance for a Car Loan?

Competitive

Allow us to find and offer you a car loan at the lowest interest rates in the industry and ensure it stays competitive in the ever-changing marketplace.

Easy

We make the process of getting car finance hassle-free and seamless by handling the entire process for you.

Fast approvals

Your time is precious to us, and thus we work efficiently to get your car loan approved in the shortest span.

Flexible Terms

Our car loan broker will find you an appropriate car loan option to cater to your needs and fit your budget.

Refinance Purpose

Secured Car Loan

This option is offered- when you have a certain purpose of buying a new, demo, or used car. They have the most competitive interest rates and repayment options as compared to the other alternatives. The rates of interest are lower because the lender is given security in terms of collateral. Our astute car loan broker can explain the process and help you with car finance offers.

Unsecured Car Loan

In this option, the loans to finance cars are offered by lenders without any collateral. Unsecured car loans provide you with excellent flexible terms. This type of loan is a better alternative if you want old, unique, and cheap cars or you simply want the freedom to sell the car without any financial obligation of loan closure by the lender.

Novated Lease

It is a cost-friendly and tax-friendly alternative to finance a car if you want to purchase one for work purposes or if the car allowance is paid by your company. It comprises a lease between you, your employer, and the lender or finance firm. As per the car loan agreement, your employer has the responsibility of repaying the debt to the lender on your behalf from your pre and post-tax salary deduction. Partner with Credific Finance can help you get a credible novated lease at your convenience.

Business Car Finance

Business car loans are utilized to finance cars or single vehicles for commercial purposes only. Credific Finance offers you a multitude of competitive business car loans to choose from. Furthermore, you can benefit from taxes by claiming GST and depreciation. This alternative is suitable for small, medium, and large businesses as it includes a flexible repayment schedule to fit the organization's cash flow.

Refinancing and repricing

There exists a wide array of home loan options available in the market, and our technology enables us to evaluate which one would be most suitable for you and your circumstances, both presently and in the long run. Subsequently, we provide you with personalized suggestions and manage the transition process.

Apply for Pre-Approval

FAQs

To be eligible for car loans, you need to be an Australian citizen or permanent resident, at least 18 years of age, and have a source of income. Lenders are required to confirm that the loan will not compromise your financial stability. The criteria for eligibility may differ based on the specific type of car financing you are pursuing.

The approval process for a car loan requires up to four days before you obtain the final approval. This timeline may be affected by various factors such as your credit history, income level, identity verification, and the speed at which you submit the necessary loan documentation.

Numerous factors affect your borrowing capacity, along with the terms, interest rates, and duration associated with any specific car loan. Get in touch with our friendly team to know how much you can borrow.

Absolutely, we can assist you with pre-approval. Securing pre-approval can strengthen your negotiating position with the dealer. By understanding your budget and purchasing a vehicle with a pre-approved loan, you can negotiate with greater assurance.

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