Car Finance Cairns

Secure finance for the car of your dreams in Cairns with Credit One. 

Since 1999, Credit One has been perfecting the art of securing car finance. By putting our customers’ needs first, we help Cairn’s vehicle enthusiasts get behind the wheel and out onto the road, sooner. It’s all part of delivering the best car finance Cairns has to offer at Credit One Australia.

Going to a bank to secure finance not only limits your options, but it can be a daunting task. At Credit One, we make the process of comparing and finding a car loan seamless. When you contact our team, you’ll speak to a highly experienced and friendly broker, who will be with you every step to securing your car loan.

Credit One has partnered with over forty of Australia’s most highly rated lenders, and can present to customers an incredibly diverse range of finance solutions. You’ll be spoiled for choice with the selection, and in some instances, you may have access to rates not typically available to the public. 

Regardless of whether the vehicle is for business or personal use, we will find you the best deal on car finance for all Cairns customers. We don’t take a uniform approach, as we know everyone’s financial circumstances are unique, so each option that we present will be tailored to suit your needs and objectives. 

You can start your journey from the comfort of your lounge with our online quote portal, or by contacting our team via phone on 1300 CREDIT (1300 273 348). It’s that easy. 

Car Loans for Cairns Businesses

From upgrading the work car, to expanding your fleet of vans, Credit One will be there to help get you the best car finance options for your business. We can adjust the loan terms to fit the type and goals of your business. Work vehicles are essential in the industries that keep Cairns moving. Get professional assistance, and a business orientated approach today with Credit One.

When you’re looking for car finance for business purposes in Cairns, you’ll meet the dedicated business finance team at Credit One. Our team are experienced in matching your business with the best finance options to suit their financial circumstance, giving you the time to work on running your business.

Companies choose to finance for a diverse range of reasons. Whatever your intention, Credit One will conduct a thorough evaluation of your cash flow and business structure to help shape what car finance might look like for your business through one of our partnered lenders.  

For the car finance Cairns business owners love, get in touch with Credit One today.

Personal Car Finance Cairns 

Purchasing a car is exciting – there’s no doubt about it. Regardless of whether it’s new or second-hand, getting the keys handed to you following your very own vehicle purchase is a great feeling. At Credit One, we understand and share that excitement with all our customers. Whether it be the new big, shiny, family car, or a new convertible sports car – regardless of your reason for buying a car – when you need a personal car loan, Credit One are here to make it happen.

Credit One’s personal car finance options are loved for their flexibility. With access to options for both new and used vehicles, cars sourced from dealerships and private vendors, and a range of lenders, Credit One will make your automotive dreams a reality.

Start by testing our loan calculator to get a general idea of what a repayment plan for a car loan might look like for you. From there, after filling out the online enquiry form, one of our brokers will be in contact to get your personal car finance started. We build a range of options out from there to suit your unique financial background. Securing our customers’ car finance in Cairns begins with a deep knowledge of who our customers are, and understanding what works best for them.  

Frequently Asked Questions

What are the benefits of a chattel mortgage?

A Chattel Mortgage is a type of loan strictly pertinent to businesses. As a business, you might look to finance rather than purchase outright for several reasons. Some companies might not have the cash to buy a new work vehicle outright, making financing the only option to build their fleet. On the other hand, even for companies that do have the cash to pay a vehicle off outright, diverting your money into a single asset will invariably leave you with less capital to put towards growth or other business operations. 

Should I finance a new or used car?

Giving our customers the option between financing a new or used car puts Credit One miles ahead of other brokers and financiers. We are glad to be able to offer the car finance Cairns residents love to buy both new and used vehicles. 

It is important to realise that the interest rates available to you will vary between whether you choose to buy a new or used vehicle. Various factors like vehicle age, condition, service requirements, and history will all be considered by our brokers when determining the most suitable finance options for you. 

A new vehicle will attract a lower interest rate than a second-hand vehicle as a general guide. Since most financiers will solely permit a loan period relative to the age of the vehicle, any financier will consider the age of the vehicle at the beginning and end of the lease period to determine your eligibility.

What do I need to provide when applying for car finance?

What you’ll need to provide to your Credit One consultant will depend on the nature of the loan you are looking to secure through one of our partnered lenders. For a personal car loan, all that you will need is to sign and date the privacy forms that we send you, as well as provide some additional relevant financial information like pay slips, bank statements, and your driver’s license.

Conversely, with a business loan, you’ll need to supply slightly different documents. We’ll need your Australian Business Number (ABN), as well as relevant business financial statements, including a balance sheet and a profit and loss statement. Finally, we’ll need tax return statements from the last two years.

For more information about what we’ll need from you to get your car finance in Cairns started, get in contact with a member of our team.