We Handle Your Car Finance
Our Aussie finance brokers work with you to find a suitable lender for your car loan, organise the paperwork and keep you updated, every step of the way.
- Access to 40+ trusted lenders
- No deposit options available
- Dealer and private sale finance
- Australia-wide service
- Fast service
Tell Us What You Need
Check your eligibility in under two minutes
with no impact on your credit score.*
Safe, secure & trusted
Why Let Us Handle Your Car Finance?
Dealer & Private Sale
Specialists
No Deposit Options
We Handle the Paperwork
Local Aussie Team
Access to 40+ Lenders
5-Star Reviews
Real Customers. Real Vehicles. Real Results.
We’re 5-Star Rated for a Reason
Real Customers. Real Confidence.
How It Works
Tell Us What You Need
Complete our quick online enquiry and tell us about the car you want to finance.
We’ll Call You
We’ll confirm your details and collect any extra information or documents we need.
Get Pre-Approved
We’ll submit your application and documents to a suitable lender and work towards conditional pre-approval.*
Finalise & Drive Away
Once approved, we’ll organise the paperwork so you can collect your car.
What Do You Need Car Finance For?
From new and used cars to private purchases and refinancing, we’ll get to work on the car finance you need.
New Car
Finance
Buying a brand-new car, SUV, ute or electric vehicle? We work with you to find a suitable lender and organise the paperwork, whether the car is available now or still being built.
Used Car
Finance
Found a second-hand car? We arrange car loans for dealer and private purchases. Tell us its age, kilometres and price, and we’ll get to work on the finance.
Private Sale
Finance
Found a car on Facebook Marketplace, carsales or Gumtree? We contact the seller, organise their paperwork and run a PPSR check. We also help arrange any existing loan payout and settlement.
Dealer
Finance
Buying from a dealership? We work with you to find a suitable lender and contact the dealer to collect the paperwork needed for your purchase.
Car Loan
Pre-Approvals
Plan your budget before choosing a car. We can help arrange conditional pre-approval and explain what is needed once you find the vehicle you want to buy.
Refinance Existing
Car Loans
Reviewing your current car loan? We work with you to find suitable refinance based on your circumstances and goals, taking account of any payout and switching costs.
Plan Your Car Purchase
A clear budget and a few vehicle details help us find finance suited to your purchase. Here are three things worth considering before you buy.
Set a Comfortable Budget
Allow for the car, insurance, registration and ongoing running costs. Tell us what repayments fit your budget. No-deposit options are available; we’ll explain clearly if a deposit is needed.
Know the Car You’re Buying
For a used car, check its service history, kilometres and condition. Let us know exactly what you’ve found—we’ll collect the vehicle details and prepare your application.
Plan Your Purchase Timing
Whether the car is available now, still being built or being bought privately, let us know roughly when you expect to pick it up. Once your finance is approved, we help organise the paperwork and payment to the seller so you can collect your car.
Not Sure Where to Start?
Tell us about the car you have in mind and our local team will call to confirm the details and get things moving.
The Lenders We Work With
Why Use A Finance Broker
Instead Of Going Direct To A Bank?
Access to 40+ Lenders
A bank can only offer its own loans. We work with over 40 lenders to find a suitable fit for your needs and circumstances, then prepare and submit your application.What this means for youBroader Lender AccessFinance Sourced for YouA Suitable Lender Fit
We Do the Hard Work
We prepare your application, organise the documents and follow up with the lender. We also work with the dealer or private seller to help get the paperwork and payment sorted.What this means for youLess LegworkPaperwork HandledLender Follow-Up
People You Can Reach
You’ll have your own dedicated Aussie finance broker in your corner. We listen, answer your questions and let you know what we need to keep your application moving.What this means for youYour Own Finance BrokerRegular UpdatesClear Next Steps
Proudly Australian. Trusted Australia-Wide.
We’re proudly Australian-owned and based on the Gold Coast in sunny Queensland. We help customers in every state and territory arrange finance, with a local team you can reach by phone, online or in person.
Aussie-Owned Business
We’re locally owned and operated right here in Australia, with a practical, down-to-earth approach to helping you arrange finance.
Australia-Wide Service
We help customers in every state and territory. You can organise your finance by phone and online, wherever you are in Australia.
Friendly Local Team
Our team is based on the Gold Coast. You’ll speak with real people who take the time to understand what you need.
Find Our Gold Coast Team
2B/677 Pine Ridge Road, Biggera Waters QLD 4216
Car Finance FAQs
Can I finance a used car?
Yes—we help arrange used car finance for dealer and private purchases. Tell us the car’s age, kilometres and price, and we’ll check the available options.
How fast can I get approved?
Once we have your application and the required documents, conditional pre-approval can be available in as little as 24 hours.* Timing depends on the lender and your circumstances. We’ll keep you updated if it takes a little longer.
Can I get pre-approved before choosing a car?
Yes. We can work towards a conditional pre-approval before you choose a car, so you can shop with a clearer budget. We’ll let you know of any conditions. Once you’ve found the car you like, simply let us know—we’ll take care of the rest.
What interest rates are available?
Your rate depends on your circumstances, the car’s age, how much you borrow and the loan term.
Can I finance a car through a private seller?
Yes. We contact the seller, organise their paperwork and run a PPSR check on the car. We also help arrange any existing loan payout and settlement, so you don’t have to manage it all yourself.
How can I find out how much I may be able to borrow for a car?
Tell us what you need and we’ll give you a call. We’ll confirm your income, expenses and existing commitments, then work with you to find a suitable amount to apply for.
What documents might I need?
We’ll usually start with the basics—your photo ID and proof of income, such as payslips. If anything else is needed, we’ll let you know.
What Happens After You Enquire?
Tell us what you need and we’ll get to work. Our local team will call to confirm the details, organise your application and keep you updated.
A Call From Our Team
We’ll confirm your details and collect any extra information or documents needed.
We Get to Work
Once your application and documents are ready, we’ll submit them to a suitable lender and follow up to keep things moving.
Support All the Way
We’ll keep you updated and organise the remaining paperwork through to payment, so you can collect your car.
Important information: *Checking your initial eligibility with Finspark Finance will not affect your credit score. If you proceed with a formal lender application, the lender may conduct a credit enquiry with your consent. Approval and turnaround times vary by lender, applicant circumstances and verification requirements. Rates, fees and available options also vary. Finance is subject to lender approval and lending criteria.