Car Finance Canberra
The top car finance brokers in the nation’s capital are at Credit One.
Credit One’s dedicated car finance consultants are highly experienced in brokering budget-friendly car finance Canberra solutions for a range of motor vehicles. Our car finance is the ACT’s leading option for anyone seeking a budget-friendly loan on a convertible, station wagon, or any sort of car.
Unlike the larger financial institutions, we are not bound to a single lender when providing car loans and finance solutions. At Credit One, every one of our brokers has access to close to fifty of Australia’s most trusted lenders – even a selection that are not accessible to the public. That means that when you approach Credit One, our team can work to secure the top car loan in Canberra to suit your unique financial requirements and objectives.
Our comprehensive car finance offers motor vehicle enthusiasts more freedom to pay off loans on their own terms. With over 20 years of experience brokering car financing, we’ve got the knowledge and connections to get you behind the wheel sooner, and with less strain on the wallet. Want to know how we’ve amassed 1,140 five-star Google reviews? Come experience the world-class service of Canberra’s leading brokerage today. Phone 1300 CREDIT (1300 273 348) or fill out the form for an online quote.
Canberra Personal Car Loans
With the thousands of hectares of rural land around Canberra, a car is vital to getting between the major cities in Australia. Credit One offers access to secured car loans to Canberra residents looking to get their dream car or looking for an upgrade to meet the needs of their growing family.
A secured car loan is a personal or consumer loan product in which our partnered financier will advance you the funds for the purchase of your car and secures that loan against the vehicle itself. Credit One’s car finance in Canberra allows personal borrowers the flexibility of selecting terms from between one and seven years on their terms. Repayments are made monthly, fortnightly, or weekly and are adapted to meet your payment cycle.
Have you stumbled on a fantastic deal for a used car online? Are the big banks declining to support you with a loan for a sale from a private seller? Credit One can help broker your car finance from a range of vendors. The personal car finance Canberra trusts are not limited to dealership sales only. It’s the better way to finance. It’s Credit One.
Frequently Asked Questions
How does Canberra car finance work?
Car finance involves the borrowing of money from a financier to purchase a car or similar vehicle. Borrowers will only be able to use the agreed-upon amount for the purchase of a car. The amount you borrow will have interest added onto the repayment amount and can be repaid in regular instalments of your choosing. For an estimate of what your repayments might look like, see our loan calculator.
Credit One has several options for you to source car finance. Our wide selection of partnerships with Australia’s top lenders provides all customers with access to more loans and more choices for a variety of financial circumstances.
Should I finance my car or purchase it outright?
The short answer to this question comes down to your individual financial capabilities. The long answer is that several factors determine whether financing or purchasing outright is the best option for you. Credit One is a highly rated Australian brokerage firm, not a registered financial planner.
Our role is to present the best loan options for you from our partnered financiers, but we cannot advise whether loaning or buying is the most suitable option. For that advice, you should consult with an independent financial planner or accountant to find your best option.
Some of the main reasons our clients choose to finance a car in Canberra rather than purchase outright include:
- Financing does not draw all your money into the single asset of a car. Instead of a lump sum purchase, you can still have money left over for other things like savings in case of an emergency.
- You can consolidate any other debts you have into a single loan.
- By completing regular, monthly repayments on time you will build your credit history, which is beneficial for more significant loans down the line.
- You can enjoy all the benefits of owning your new car right away.
What do I need to secure a car loan in Canberra?
There is no exact checklist for everything you need to secure car finance through Credit One. Each application is reviewed individually. Typically, you’ll need to provide your broker with evidence of your income for us to determine if you’re a suitable candidate for the car finance options offered by our lenders. For personal and business car finance, chat with a broker today to find out what we’ll need to see from you.
Can I get a car loan for my business?
Yes.
If you serve the public sector or the private and need a vehicle for day-to-day business, finance it with the car brokerage Canberra trusts at Credit One.
At Credit One, our friendly and knowledgeable brokers will help adjust loan terms to fit the needs of your business. We know that businesses evolve at different paces, so we are ready to amend loan terms to suit the needs of your business throughout the period of the loan.
Countless businesses choose to finance their work vehicles over purchasing outright to free up cash flow for other work-related expenditures. Whatever reason you have for financing, we’ve got your back and will help you source valuable tax-related documents from dealers to make sure you get all the benefits from a business loan.
Our specialised business finance team understand the unique needs of Canberra business owners when it comes to their work vehicles. We’ll get you set up with a chattel mortgage that fits within your budget objectives in no time. Credit One has hassle-free Canberra car finance solutions, and our goal is to keep business moving.
