We Handle Your Dealer Car Finance
Our Aussie finance brokers work with you to find a suitable lender for your dealer car loan, organise the paperwork and keep you updated, every step of the way.
- Access to 40+ trusted lenders
- New, used and demo car options
- Your own dedicated finance broker
- Dealer invoice and settlement support
- Conditional pre-approval may be available
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 Dealer Car Finance?
Dealer-Purchase Finance
We work with your dealer or seller to collect the paperwork and keep your purchase moving.
No Deposit Options
We aim to find suitable finance without an upfront deposit where possible, and explain clearly if one is needed.
We Handle the Paperwork
Your own Aussie finance broker organises the paperwork and keeps you updated.
Local Aussie Team
Friendly, Australia-based support wherever you are buying your next car.
Access to 40+ Lenders
We work with over 40 lenders to find suitable finance for your circumstances.
Verified Customer Reviews
Read genuine Google reviews from customers we have helped with their finance.
Real Customers. Real Vehicles. Real Results.
We’re 5-Star Rated for a Reason
Real Customers. Real Confidence.
How Dealer Car Finance 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 and payment so you can collect your car.
Why Buy Through a Dealership?
A dealership can bring vehicle choice, test drives and purchase paperwork together in one place. Choose the car you want, and we’ll work with you to find a suitable lender and organise the paperwork with your dealer.
Compare Cars in One Place
Browse available stock, compare models and trims, and arrange test drives. It can make shortlisting a car easier when several options are available together.
Consumer Protections
Buying from a licensed dealer gives consumers rights under Australian Consumer Law. Additional warranties and protections depend on the vehicle, sale and state or territory.
Trade-In Convenience
A dealer may accept your current vehicle as a trade-in. Compare the trade-in allowance and the new car’s price separately, including any existing loan payout.
Clear Purchase Paperwork
A written contract and dealer invoice help you see the vehicle price, inclusions and agreed terms. Check every charge and condition before signing.
Discuss Warranty Coverage
Ask what cover applies, what is excluded and who handles claims. Manufacturer, statutory and paid extended warranties are different—not every car has the same cover.
Keep Your Finance Choice
Buying from a dealer does not mean you must use its finance. Our Aussie finance brokers work with you to find a suitable lender and handle the next steps.
Plan Your Dealership Purchase
Choose your car at the dealership and leave the finance to us. We work with your dealer to collect the paperwork and organise payment once approved.
Send Us the Dealer Quote
Send us the car’s details, purchase price and expected delivery date. Whether it’s new, used or a demonstrator, we’ll explain what’s needed and get the finance moving.
We Get to Work
Once we have your application and documents, we’ll submit them to a suitable lender and follow up to keep things moving.
Get Ready for Delivery
We’ll help organise your application and paperwork. Once your finance is approved and the car is ready, we arrange payment to the dealer. We’ll keep you updated so you can plan when to pick up your car.
Not Sure Where to Start?
Send an enquiry and our local team will call to confirm the details and get things moving.
Tell Us What You NeedThe Lenders We Work With
Check the Details Before You Buy
We handle the finance and paperwork. Before you buy, take time to check the car, the dealer’s written offer and any extras.
Check the Drive-Away Price
Confirm the full vehicle price, on-road costs, inclusions and delivery terms in writing. Keep any trade-in figure separate so the deal is easier to compare.What this means for youItemised Purchase CostsClearer Trade-In FiguresFewer Price Surprises
Understand Your Loan Costs
Look beyond the headline rate or weekly payment. Check the fees, loan term, total cost and any balloon payment so you know what you’re committing to.What this means for youFees and Balloons ConsideredA Fuller Cost PictureKnow Your Repayments
Question Optional Extras
Ask whether each accessory, warranty or protection product is optional. Review its cost, exclusions and cancellation terms, including any interest if you finance it.What this means for youKnow What Is OptionalUnderstand Extra CostsA More Informed Decision
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
Dealer Car Finance FAQs
Can I buy from a dealer and arrange finance through Finspark Finance?
Yes. Choose your car at the dealership and we’ll work with you to find a suitable lender, organise the paperwork and arrange payment to the dealer once approved.
Can I use a finance broker instead of dealership finance?
Yes. You can buy from the dealership and use us to arrange the finance. We work with you to find a suitable lender and handle the paperwork with your dealer.
Can I finance a new, used or demo car?
Yes. We help arrange finance for new, used and demonstrator cars. Send us the dealer’s quote and the vehicle details, and we’ll work through the finance for your purchase.
Can I get pre-approved before visiting a dealership?
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 and we’ll take care of the rest.
Can I trade in a car that still has a loan?
Let us know the trade-in value and current loan balance. We’ll explain how the existing loan payout and any difference need to be handled as part of your purchase.
Should I include dealership extras in my car loan?
Ask for an itemised quote and consider whether you need each extra. We’ll explain what can be included and how financing it affects repayments and the total amount you pay.
What documents do I need for a dealer purchase?
We’ll usually start with your photo ID and proof of income, such as payslips, plus details of your expenses and existing loans. We’ll also need the dealer’s quote and the car’s details. 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 we have your application and documents, 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 and 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.