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
Silver Toyota Land Cruiser with fast, efficient car finance text overlay.
Happy customer standing with new car and large bow at a dealership in Australia.

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.

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:
Document and magnifying glass illustrating loan comparison process.

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.
FirstPoint Mortgage Brokers: initial consultation and expert guidance for first home buyers.

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.
Car loan application document with a checkmark symbol

3. Pre-Approval

Get pre-approved so you can shop with confidence. Knowing your borrowing power helps you negotiate better and avoid disappointment.
Car loan checklist illustrating the application and approval process in Australia.

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.
Car loan application process with documents and approval stamp.

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...

New Audi with a red bow, representing car loan approval from FirstPoint in Australia.

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

Jack Tsoi
1 week ago
excellent service from start to finish ! Chris made the entire SMSF loan process smooth and stress free I highly recommend his service to anyone looking for a knowledgeable , reliable broker
Response from the owner:Thanks Jack, really appreciate the kind words. SMSF lending can be tricky, so great to hear Chris made the whole process easy and got a good result for you. Thanks for putting your trust in us and for the recommendation, it means a lot. You know where we are when you need us.
Amazing service from start to finish! Efficient, approachable and always happy to help. I had a wonderful experience working with my mortgage broker. He was incredibly quick, responsive, and professional throughout the entire process. Communication was always clear, and he made everything smooth and stress-free. I found this particularly helpful given we are a working family with young children and we always seem to be time poor. Jonathon was always available to answer questions and kept us informed every step of the way. I couldn’t be happier with the service he provided and would highly recommend him to anyone looking for a reliable and knowledgeable mortgage broker!
Response from the owner:Thanks Sharlene, really appreciate the lovely feedback. Jono of all people knows how busy life can get with work and young kids, so it's great to hear he made the whole process that bit easier for you and your family. He'll love reading this. Thanks again for putting your trust in Jono and FirstPoint, and for the recommendation.
Michael Brennan
2 weeks ago
I’ve worked with Jonathan for several years on financing and refinancing home loans. He is fantastic to deal with, provides sound advice, moves quickly and a great communicator. I’d recommend First Point and Jonathan to anyone looking to finance a home.
Response from the owner:Thanks Michael, we really appreciate your loyalty over the years and the great feedback. Jono prides himself on giving solid advice, moving fast, and keeping clients in the loop, so it’s great to know that’s exactly what you’ve experienced. Always a pleasure to work with you mate.
Sandra Drew
2 weeks ago
Chris Made the Whole Process Easy. I was referred to Chris and it was the best referral ever. I would highly recommend Chris and his team for any financing/loan needs as he made the whole process very easy and kept us informed the whole way. He is very calm under what I am sure are very stressful circumstances which made me feel much better knowing that he was handling everything. We were also on a tight time frame as I was going away, but again, everything was finalised before my departure. I will definitely be using Chris for my future finance needs, and again recommend him to anyone also looking for a professional in this field.
Response from the owner:Wow, thanks Sandra, really appreciate the great feedback. Chris will love hearing this. He has a great knack for keeping things calm and straightforward, even when the clock is ticking! Fantastic to hear everything came together before your trip. Thanks again for trusting Chris and FirstPoint Team, and for the recommendation, it means a lot! We look forward to helping you again down the track. You know where we are whenever you need us.
Mike Willmott
3 weeks ago
Professional and friendly agent who communicated clearly and made the process much easier for us. . It was a pleasure working with Chris to help get mine and my partners mortgage sorted recently. A clear and professional communicator, who explained the process every step of the way and helped us find the deal that was the best for us. Chris was always quick to reply when needed and open to answering any questions we might have (a few considering we were first time home buyers). The entire process felt much easier and smoother with Chris’ advice and expertise. Chris also makes the effort to work with his clients around their busy work day, being open to book an after hours catch up to discuss the finer points recognising that not everyone has time during the work day. He kept things straight forward and professional and interacts with a high level of integrity. I would highly recommend Chris and have already done so to friends and colleagues.
Response from the owner:Thanks Mike, really appreciate the fantastic review. Buying your first home is a big deal, so it’s great to hear Chris made the process clear, straightforward and that little bit easier for you both. All of us at FP genuinely cares about being available for our clients and finding the right outcome. Thanks again for trusting Chris and FirstPoint, and especially for already recommending us to others, that means a lot.
Jordan Toft
4 weeks ago
Expert knowledge, continuous availability, no question unanswered and executed precisely . From the get go Jonathan from FirstPoint Morgage Brokers delivered expert knowledge, specific to my situation, sourcing a unique product that encompassed my needs. Communication was direct and forthcoming with no situation or option left in ambiguity. No question was too small or insignificant and I was guided positively throughout the entire process linking all parties efficiently and effectively. Securing finance, the right finance, is a key component in a process with many moving parts, having an informative, reliable and effective partner for this segment of the process was a great reassurance.
Response from the owner:Thanks Jordan, we really appreciate the fantastic feedback. Jono takes great pride in finding the right solution for each client, particularly when things aren't always straightforward. Great to hear his knowledge, communication and attention to detail gave you confidence throughout the process. Thanks again for trusting Jono and FirstPoint, and for taking the time to share your experience. Jordan so good to have you back in the FP fold.
Adam Deering
4 weeks ago
Chris was incredibly helpful and efficient, I would highly recommend.
Response from the owner:Adam, great 5 Star Review on Chris, thanks so much for choosing FirstPoint as your preferred Mortgage Broker, you know where to find us should you need us.
Answered all our questions as first home buyers with no clue what we were doing. . Emails replied quickly, excellent communication and leads to conveyancer, a smooth and seamless process with the bank and the vendor. Extremely professional. We chose First Point Mortgage Brokers based on their 5 star rating and have zero regrets. Jonathan and the team highly recommended! Would give 6 stars if I could.
Response from the owner:Thanks so much, Rosanna, we’ll happily take the 6 stars! It’s great to hear Jono and the team made your first home buying experience feel smooth, clear and seamless from start to finish. Buying your first home is a huge milestone, so congratulations and thanks for putting your trust in FirstPoint based on our reviews. Now you’ve added another great one!
Emma and Liam
1 month ago
Absolute legend and the broker you want in your corner! We couldn’t have asked for a better broker than Chris while buying our first home. He was incredibly helpful, patient and easy to talk to throughout the whole process. He explained everything clearly, kept us updated and was always happy to answer our questions, no matter how small. Buying a home can feel overwhelming, but Chris made us feel supported and confident every step of the way. We’re so grateful for everything he did for us and would happily recommend him!
Response from the owner:Thanks Emma and Liam, what a fantastic review! Chris will absolutely love the “legend and the broker you want in your corner” call, can'y help but agree. Buying your first home is a huge milestone, so it’s great to hear he made the whole journey feel clear, supported and that little bit less daunting. Huge congratulations to you both, and thanks for trusting Chris and FirstPoint to help get you there.
Karen Yu
1 month ago
Excellent service. Easy to apply . Chris is very professional and keep me updated all the time. Great to deal with
Response from the owner:Thanks Karen, really appreciate the great feedback. Fantastic to hear Chris made the whole process easy and kept you informed every step of the way. Thanks again for trusting Chris and FirstPoint!

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.

FirstPoint Mortgage Brokers team in Cronulla, assisting first home buyers across Sydney.

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.

Car Loan Enquiry

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