Compare Car Finance Options from 40+ Lenders
Fast approvals.
Great rates.
Dealer or private sale.
No impact on your credit score.*
- Compare 40+ trusted lenders
- No deposit options available
- Dealer and private sale finance
- Australia-wide service
- Fast service
Check Your Eligibility
It only takes 2 minutes
Why Thousands of Aussies Choose Us
Dealer & Private Sale Specialists
No Deposit Options
Support from
Start to Finish
Local Aussie Team
Compare 40+ Lenders
5-Star Reviews
Real Customers. Real Vehicles. Real Results.
We're 5-Star Rated for a reason!
Check out our most recent reviews
How It Works
Check Eligibility
Complete our quick online form in under 2 minutes
Compare Options
We compare finance options from our panel of lenders
Get Approved
Receive a conditional approval, often within 24 hours*
Drive Away
Purchase your vehicle from a dealer or private seller
Car Finance Options We Can Help With
Whatever type of car you’re looking to finance, we’ll take the time to understand your needs and compare competitive options from our broad lender panel – helping you find a solution suited to your circumstances.
New Car Finance
Buying a brand-new car, SUV, ute, 4WD or electric vehicle? We can help you compare new car finance options from over 40 lenders. Our team will guide you through the process and help you find a competitive option suited to your circumstances, so you can get behind the wheel sooner.
Used Car Finance
Looking at a quality used vehicle? We help Australians compare used car finance options from lenders that may consider a wide range of second-hand vehicles. If you’re upgrading your current car or buying your first vehicle, we’ll help you find an option suited to your circumstances and requirements.
Private Sale Finance
Found the right car through Carsales, Facebook Marketplace or another private seller? We can help you compare private sale car finance options and guide you through the process, from confirming the required vehicle information through to coordinating settlement with the seller.
Dealer Finance
Purchasing from a dealership? We can help you compare car finance options from our lender panel before you decide how to proceed. Rather than considering only the finance presented at the dealership, you can compare available rates, repayments, fees and loan structures to find an option suited to your circumstances.
Car Loan
Pre-Approvals
Understand your potential budget before you start shopping. A pre-approval can provide an indication of how much you may be able to borrow, helping you shop with greater confidence. Conditional pre-approval may be available before you choose a car, with final approval remaining subject to verification, lender criteria and the vehicle selected.
Refinance Existing Car Loans
Already have a car loan? Depending on your circumstances, refinancing may provide access to different repayments, rates, loan terms or features. We can compare available refinancing options from our lender panel to help you determine whether another option may better suit your current needs.
Access to 40+ Lenders
We compare options from a wide panel of banks, non-banks, and specialist lenders to find a finance solution that suits your needs and budget.
Car Finance Made Easier
Whether you’re buying from a dealership, a private seller, or even at auction, we make car finance quick, easy and hassle-free.
Our team compares finance options from over 40 lenders, helping Australians secure finance for new cars, used cars, SUVs, utes, 4WDs and luxury vehicles.
Instead of applying with multiple lenders yourself, we do the legwork for you and present suitable options based on your circumstances.
Need a pre-approval before you start shopping? No problem. We can help you understand your borrowing power, compare available options and guide you through the process from application right through to settlement.
With fast approvals, local support and access to a wide panel of lenders, it’s easy to see why thousands of Australians choose Finspark Finance.
- New Car Finance
- Used Car Finance
- Dealer Purchases
- Private Sales
- Compare 40+ Lenders
- Car Loan Pre-Approvals
Our Panel of Lenders
Why Use A Finance Broker
Instead Of Going Direct To A Bank?
We make the finance process simple, fast and stress-free. Our team does the hard work for you so you can get on with what matters most.
Compare 40+ Lenders
We compare finance options from over 40 lenders, including major banks, credit unions and specialist lenders, to help you find a competitive option suited to your circumstances.
One Application
Instead of completing multiple applications with multiple lenders, we simplify the process with one application and do the legwork for you.
Personalised Support
Your dedicated finance specialist will take the time to understand what you need, explain your options clearly and support you throughout the process - from your initial enquiry through to settlement.
- More Choice
- Competitive Options
- Flexible Terms
- Australia-Wide Service
- Fast Approvals
Proudly Australian. Trusted Australia-Wide.
From our home on the Gold Coast in sunny Queensland, we help Australians compare finance options from a panel of over 40 lenders. Our service is available nationwide – from Brisbane, Sydney and Melbourne to Adelaide, Perth, Hobart and Darwin – giving customers across the country access to competitive options suited to their circumstances.
Aussie-Owned Business
Locally owned and operated right here in Australia.
No Credit Score Impact*
Check your initial eligibility without affecting your score.
Australia-Wide Service
Helping customers in every state and territory.
Compare 40+ Lenders
Access a broad panel of banks, non-banks and specialist lenders.
Friendly Local Team
Speak with real people based right here on the Gold Coast.
Fast Approvals
A streamlined process designed to keep things moving.
Car Finance FAQs
Can I finance a used car?
Yes. We work with lenders that consider finance applications for both new and used vehicles. Available options can depend on factors such as the vehicle’s age, kilometres, condition and value, as well as your individual circumstances and the lender’s criteria.
How fast can I get approved?
We can often arrange conditional pre-approval in as little as one hour, allowing you to start shopping before choosing a car. Timing can vary depending on your circumstances and the lender’s requirements. Final approval remains subject to verification, lender criteria and the vehicle you choose.
Can I get pre-approved before choosing a car?
Yes. We can arrange conditional pre-approval before you choose a car, giving you greater confidence and flexibility while you shop. Final approval remains subject to verification, lender criteria and the vehicle you select.
What interest rates are available?
We have access to competitive rates from a panel of over 40 lenders. The rate available to you will depend on factors such as your credit profile, loan amount, term, vehicle and individual circumstances, as every application is assessed on its own merits.
Can I finance a car through a private seller?
Yes. We can assist with car finance for eligible dealership and private-sale purchases. If you’re buying from a family member, friend, Carsales, Facebook Marketplace or another private seller, your finance specialist can explain the information required and guide you through the process. Available options remain subject to lender and vehicle criteria.
How can I find out how much I may be able to borrow for a car?
Complete our online enquiry form and one of our finance specialists will discuss your circumstances and available options with you. The amount you may be able to borrow will depend on factors such as your income, expenses, existing commitments, the vehicle and the lender’s assessment.
What documents might I need?
Initially, we’ll ask for proof of identity and income. If anything else is needed, your finance specialist will let you know and guide you every step of the way.
Estimate Your Repayments
The default interest rate of 6.99% p.a. is used for illustration only and is not an advertised or guaranteed rate.
This calculator provides a general repayment estimate only and is not based on any particular lender or product. Results are calculated using the loan amount, term and interest rate selected and do not include fees, charges or other product costs unless stated. Actual rates, repayments, fees and eligibility will depend on the lender, product and applicant circumstances. The result is not a quote, comparison rate, offer or approval of finance.
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.