>Real Time Analytics
1300 273 348
Apply Now

Car Finance Options

Car Finance Options

Accelerate your purchase with Credit One!

Life is busy, we understand that - and that's why we make vehicle finance easy!

Speaking with dealers can be time consuming. At Credit One we help you accelerate your purchase. We make the car buying process simple, easy and cost effective and are focused on finding the most financially effective and streamlined finance for you. 

Credit One offers simple vehicle selection options allowing you to access all competitive pricing on all makes and models through comprehensive dealer networks. 

Credit One provides a complete range of finance options for you or your business from Business Car Finance, Novated Lease, Secured Car Loan, Private Sale Car Loan to Personal Loans

Discover why Credit One really is the quicker, smarter and friendlier way to finance by calling 1300 CREDIT (1300 273 348) or obtain an online quote today.


Business Car Finance

Credit One specialises in finance for business and with one of our business finance consultants on your side, you can be confident in making a smart choice on your next purchase. 

We consider all facets of your business including your business structure, GST registration, tax and cash flow, before providing you finance options. 

Credit One provides a wide range of choices to businesses and simplifies the process and decision making for a wide range of companies, partnerships and sole traders. 

Our Business Car Finance options include Finance Lease, Hire Purchase, Chattel Mortgage and Operating Lease


Novated Lease 

A novated lease will suit any employee wishing to include a motor vehicle as part of their salary package offered by their employers. 

How does it work? 

A novated lease is an agreement between your employer, yourself (the employee) and the financier. It is the employer's obligation to meet the repayments. 

Under this arrangement, the employer pays the monthly lease on behalf of the employee, with the employee to use the vehicle as part of their salary package arrangement. 

If employment ceases for any reason, or the lease agreement is finalised, the novation ceases and the obligations assumed by the employer revert to the employee. 


Secured Car Loan

A car loan is a personal finance product where the financier advances the customer funds for the purchase of a vehicle and secures the loan against the vehicle. A car loan can also be known as a "consumer loan" or a "Secured Car Loan". 

How does it work? 

Under a car loan the financier lends funds to the customer to purchase the car. The customer takes ownership of the vehicle at the time of purchase, and the financier takes an interest in the vehicle as a security for the loan.

Once the contract is completed, the financier releases their interest on the vehicle, giving the customer clear title.


Private Sale Car Loan

Credit One can help you find a financing solution when your bank can't! We won't discriminate if you have found a great deal with a private seller and what's more, we provide you with great rates and excellent service. 

If you are looking for a car loan for private purposes check out Secured Car Loan or Personal Loan

For details on tax benefits review Hire Purchase, Chattel Mortgage, Finance Lease and Novated Lease


Personal Loan 

Need a new car, a much-needed holiday, funding for your dream wedding or to take control of your finances through consolidating your debts? Credit One can assist with a personal loan to help you get what you want, without the wait. 

Features of a Personal Loan include:

  • You can borrow $5,000 or more
  • You have the options of choosing a loan term from one to seven years. 
  • The loan options include a choice of fixed and variable interest rates. 
  • Repayments are made weekly, fortnightly or monthly.
  • A personal loan allows instant access to extra money repaid on variable rate loans, at no cost. 

To find out more, call your local Credit One branch on 1300 CREDIT (1300 273 348) or apply online

Apply For Your Car Loan Online - No Waiting!

Our finance specialists will save you time & money by comparing 40+ leading lenders to get you bank-beating car finance. Best of all - if you're not completely satisfied, your application is obligation-free.

Apply Now Get a Quick Quote

Or phone 1300 CREDIT (1300 273 348) to speak with one of our finance specialists.


Subscribe to Our Newsletter

and get your FREE comprehensive e-book -
7 Easy Steps to Buying a Car Privately