We Handle Your Private Sale Car Finance
Our Aussie finance brokers work with you to find a suitable lender for your private sale car loan, organise the paperwork and keep you updated, every step of the way.
- Access to 40+ trusted lenders
- No deposit options available
- Used cars, SUVs, utes and 4WDs
- Private seller paperwork and settlement support
- Conditional pre-approval options
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 Private Sale Car Finance?
Private-Sale Specialists
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 Private Sale 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 a Car from a Private Seller?
A private sale can open up vehicles and price points beyond the dealership forecourt. It also gives you a direct conversation with the owner. We help you explore the finance side while you assess the car, agree a fair price and carry out the checks a private purchase needs.
Potential Purchase Value
A private seller may offer a competitive price compared with similar dealer stock. Compare condition, kilometres and service records before deciding whether the asking price represents good value.
Negotiate with the Owner
Discuss the price directly with the person selling the car. Use comparable listings and inspection findings to make a considered offer; a discount is never guaranteed.
Hear the Car’s Story
Ask the owner about servicing, day-to-day use and why they are selling. Their answers can help your research, but verify important details against records and an independent inspection.
Explore More Vehicles
Look beyond local car yards for a particular model, trim or vehicle type. A private listing may be the right match for your needs, subject to the car meeting lender requirements.
Choose Finance Separately
Buying privately? We work with you to find a suitable lender, prepare your application and organise the paperwork with the seller.
Help with Settlement
Private sales involve extra ownership and payment details. We explain lender requirements and help coordinate the approved settlement process, including an existing loan payout where applicable.
Plan Your Private Car Purchase
Found a car on Facebook Marketplace, carsales or Gumtree? We help organise the finance and deal directly with the seller to get the purchase moving.
Send Us the Listing
Let us know exactly what you’ve found, including the listing, price, year and kilometres. We’ll prepare your application and contact the seller to collect the paperwork needed for your purchase.
Check Any Finance Owing
We carry out a PPSR check and organise the payout details if the seller still has a loan. We’ll explain how the existing finance will be paid out at settlement.
Get Ready to Collect Your Car
We help organise your application and coordinate payment with the seller once finance is approved. You can then arrange collection. Check the service history and consider an independent mechanical inspection before buying.
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
Private Sale or Dealer: Make an Informed Choice
A good private purchase is about more than the asking price. Compare the vehicle, the protections available and the complete finance package before agreeing to proceed.
Price & Negotiation
Private sellers may have room to negotiate, while dealerships may offer trade-ins or bundled services. Compare the final price and any extras rather than assuming either route is always cheaper.What this means for youRoom to NegotiateA Clear Final PricePurchase Options Compared
Protection & Condition
Dealer purchases may come with additional statutory protections, depending on the sale and location. With a private sale, independent checks are especially important. Confirm any remaining manufacturer warranty separately.What this means for youCondition MattersKnow the Trade-OffsChecks Before Commitment
Paperwork & Payment
A dealer generally provides an invoice and purchase contract. A private sale requires seller and ownership checks and clear payment instructions. We help you understand what the selected lender needs for settlement.What this means for youClear Sale DocumentsSeller ChecksCoordinated Payment
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
Private Sale Car Finance FAQs
Can I get pre-approved before finding a private-sale car?
Yes. We can work towards a conditional pre-approval before you choose a private-sale 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, let us know—we’ll take care of the rest.
Can I finance a car advertised by a private seller?
Yes. Whether you found the car on Facebook Marketplace, carsales or Gumtree, we can help arrange private-sale finance. Send us the listing and we’ll contact the seller for the paperwork and vehicle details.
What vehicles qualify for private sale finance?
Tell us the car’s year, kilometres, price and condition. Options vary between vehicles, so we check your chosen car rather than applying one blanket rule to every private purchase.
What if the seller still owes finance on the car?
Let us know before settlement. We’ll contact the seller and their lender for the payout details, then help coordinate payment so the existing loan is paid out as part of the purchase.
What checks should I do before a private purchase?
Check the seller owns the car, review its service history and consider an independent mechanical inspection. We carry out a PPSR check and help organise the finance paperwork and any existing-loan payout. A PPSR check is not a mechanical inspection.
Do I need a deposit for private sale car finance?
No-deposit options may suit your private purchase. We aim to find a suitable option without an upfront deposit where possible and will let you know clearly if one is required.
What paperwork do the seller and I need?
We’ll usually start with your photo ID and proof of income, such as payslips, plus your expenses and existing loans. We’ll contact the seller for the vehicle, ownership and payment details. If there’s a loan on the car, we’ll also organise the payout information. We’ll let you know if anything else is needed.
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.