Car Loans – Fast Approval, Better Rates
Compare car loans from 35+ lenders and get approved fast — often within 24–48 hours.
Get Approved for a Car Loan Faster
Drive Away Sooner with Expert Car Finance Solutions
Buying a car? We make it simple to compare lenders, secure approval and drive away sooner, without the stress.
At FirstPoint Asset Finance, we work with a panel of 35+ lenders to find the right loan based on your situation, whether you’re employed, self-employed or buying privately.
- Borrow up to 100% of the purchase price
- New or used cars (dealer or private sale)
- Flexible loan terms & repayment options
- Fast pre-approvals so you can shop with confidence
Why Choose FirstPoint for Your Car Loan?
Why Use a Broker Instead of a Bank?
Get better options, faster approvals and expert guidance, all at no cost to you.
- Compare 35+ lenders instead of just one bank
- Fast approvals, often within 24–48 hours
- Get matched with lenders that suit your situation
- We handle the paperwork from start to finish
- We work for you, not the bank.
Types of Car Loans We Offer
We offer a wide range of car finance options. Requirements: 12 months employed or self-employed and a minimum of $20,000 to suit different needs, lifestyles and financial situations.
New Car Loans
Get competitive rates on brand-new vehicles with flexible repayment options and fast approvals.
Used Car Loans
Finance a used vehicle from a dealer or private seller with confidence and competitive rates.
Secured Car Loans
Use the car as security to access lower rates and better loan terms.
Unsecured Car Loans
We offer unsecured loans for eligible borrowers, perfect for those buying older vehicles or wanting more flexibility.
Balloon Payment Options
Lower your monthly repayments with a lump sum at the end of the loan term.
How Our Car Loan Process Works
We make car finance simple and stress-free. Here’s how it works:
1. Initial Consultation
We start with a quick chat to understand your needs, budget, and goals. Whether you’ve already found a car or are just starting your search, we’ll guide you from the beginning.
2. Loan Comparison
We compare hundreds of car loan products from over 30 lenders to find the best match for your situation. We’ll explain the pros and cons of each option in plain English.
3. Pre-Approval
Get pre-approved so you can shop with confidence. Knowing your borrowing power helps you negotiate better and avoid disappointment.
4. Application & Approval
We handle all the paperwork and liaise with the lender on your behalf. Our goal is to get you approved quickly, often within 24–48 hours.
5. Settlement & Drive Away
Once approved, we coordinate with the seller (dealer or private) to finalise the purchase. You get the keys, and we stay in touch to support you throughout the loan term.
Can I Get a Car Loan With...
A Low Deposit?
Yes! Many lenders offer 100% finance, meaning you may not need a deposit at all.
Bad Credit?
You must be employed or self-employed for 12 months or more. We work with specialist lenders who understand that life happens. If you’ve had defaults or missed payments in the past, we may still be able to help.
Self-Employment?
Absolutely. We help sole traders and business owners secure car finance with flexible documentation options.
Buying From a Private Seller?
Yes, it’s possible to secure finance for a private car purchase. However, lenders generally require more documentation compared to buying through a dealership, as private sales carry additional risk. We can help you navigate these requirements and find the right solution, whether that’s a specialised private sale car loan or a flexible personal loan option.
Don't Just Take It From Us, Our Customers Are Our Biggest and Best Advocates
Let’s Get You on the Road
Whether you’re buying your first car or upgrading your ride, FirstPoint Asset Finance is here to help. With local expertise, fast approvals and access to a wide range of lenders, we’ll get you the keys without the stress.
Frequently Asked Questions
In many cases, we can get you approved within 24–48 hours, depending on your documentation and the lender.
Rates vary based on your credit profile, loan amount, and lender. We’ll compare offers to find the most competitive rate for you.
Many lenders allow early repayments, but some may charge fees. We’ll help you choose a loan with the flexibility you need.
Most car loans range from 1 to 7 years. We’ll help you choose a term that balances affordability and interest savings.
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