Car Finance Sydney

Credit One are here to get you behind the wheel of the car of your dreams.

Thinking of financing your next vehicle purchase in Sydney? For more than 20 years, Sydneysiders have relied on Credit One to find and provide the best car finance options in Australia. As a brokerage, we are committed to helping Sydney customers find and secure the best deal on car finance, getting them behind the wheel of their dream car, faster.

Credit One are Australia’s leading brokerage, matching borrowers up with the best options for car finance in Sydney. When you work with Credit One, your broker will work with you to understand your current financial circumstances, your vehicle requirements, and your lender options. We work with some of Australia’s top leading lenders, including a number of providers that are not typically available to the general public. By working with Credit One, you’re not bound to a single lender with a single rate, you’re free to explore the options that will help you to find the perfect loan for your car.

With over 1100 five-star Google reviews, Credit One are the leading experts when it comes to car loans in Sydney.

See why Credit One is the easiest way to finance your car in Sydney today. Contact our team on 1300 CREDIT (1300 273 348) or through an online quote.

Personal Car Finance Sydney

Getting around Sydney is a breeze when you have a car. Whether you’re looking to make endless beach trips, need your car for work, or are planning weekend getaways up or down the coast, we’ve got the car finance options to make your dream car a reality. Here at Credit One, you can compare interest rates and fees for Sydney car loans, to find the personal car finance solution that is right for you.

Anyone looking to secure finance for a new or used car for personal use will have access to Credit One’s seamless application process, with the overall goal getting you in your car, faster.

Any personal loan begins with a short evaluation process by a Credit One broker. We’ll evaluate your financial situation to get you the best possible outcome for finance, we know what lenders match better with unique financial histories.

Sydney Business Car Loans

Credit One are here to help business owners get moving and servicing wider areas with business car finance options. Sydney companies of all shapes and sizes can benefit from financing their work vehicles, whether it be one or two business cars or an entire fleet.

When you partner with Credit One, we’ll take into account the way your business is structured, your cash flow, and any liabilities before we match you with your car loan options. 

We don’t stop at the loan – part of what makes our service the leading car finance Sydney-wide is that we go the extra mile to ensure you’re protected. Credit One will help safeguard your business with insurance from the specialists at OneSure.

Frequently Asked Questions

Can I secure car finance from a private sale?

Often the big banks or private lenders will refuse a loan for a private sale if you approach them directly. However, with Credit One, you will not be turned away. Through our dependable partnerships with financiers, we are able to draw on a broader range of lenders and can negotiate better terms on your car finance in Sydney. We match borrowers up with financiers in all manner of selling circumstances. Here at Credit One, we are determined to make sure you get access to the best possible deal.

Is it better to finance a new or used car?

That depends on the type of vehicle you’re looking to purchase, your budget, and the interest rates that you’re looking to secure.

Credit One understands the importance of personal choice when it comes to buying a car in Sydney. That’s why we offer the flexibility for our customers to choose between buying a new or used car. We are delighted to offer access to competitive finance solutions for cars that are brand new, used but well taken care of, or vintage collectables.

However, as a buyer of a second-hand car, you will be subject to different interest rates compared to those for a brand-new car. Lenders will adjust their rates according to key factors like vehicle age, service history, maintenance requirements, and condition.

Any brand-new vehicle will always attract a lower interest rate than a second-hand vehicle. Also, as most financiers will solely grant you a loan within a period relative to the age of the vehicle, its age at the beginning of the loan will determine the eligibility.

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

To secure car finance in Sydney, as your brokers, we will need a few documents depending on your optimal loan type.

Personal car financing will require you to provide relevant financial information like bank statements and pay slips, along with personal information like your driver’s license.

On the other hand, for a business loan in Sydney, we’ll need some more detailed documents. You’ll need to provide your Credit One broker with details about your business including your Australian Business Number (ABN), recent tax return statements from the past two years, as well as other financial statements like your balance sheet, and a profit and loss statement. 

What is a balloon payment?

Within a business loan, a balloon payment is a final lump sum due at the end of your loan. As a business owner, if you opt for a balloon payment, it will lower your monthly repayments to free up business cash flow. Discuss with your Credit One consultant for more information about this option.

What is pre-approved car finance in Sydney?

Pre-approval on your car finance is when the financier conditionally agrees to lend you a specified amount for the purchase. In this situation you’ll know exactly how much you are able to spend on your new car, and are able to adapt your budget more accordingly in your search.

Pre-approved car finance is for customers that have made the decision to buy a car, but aren’t sure which model yet. It’s a great way of saving yourself time in the future and will assist with your budget when combing through listings.

Pre-approved finance is the latest solution to get behind the wheel for motor enthusiasts in Sydney. Regardless of whether you choose to purchase a car from a private seller or a dealership, Credit One will help you secure pre-approval. Applying for pre-approval is easy, and by filling out our easy quote form, a Credit One broker will be in contact in no time and you will be on your way to secure pre-approval.