Question 1

Will getting a quote affect my credit score?

Accepted Answer

No. We use a soft credit enquiry to show you options — this has zero impact on your credit score. A hard enquiry only happens if you choose to proceed with a specific lender and provide your informed consent.

Question 2

What credit score do I need to qualify?

Accepted Answer

We work with lenders across the full spectrum — from excellent to adverse credit. Even if you've been declined elsewhere or have a default on your file, we may still be able to find an option for you.

Question 3

How fast can I get approved?

Accepted Answer

Many customers receive a pre-approval within minutes of submitting their quote. Formal approvals typically come through within 24 hours — sometimes faster if you have your documents ready.

Question 4

Are there any fees for using your service?

Accepted Answer

No. Our service is completely free to you. We're paid a commission by the lender when your loan settles. There are no broker fees, application fees, or upfront charges to you.

Question 5

Can ABN holders and self-employed people apply?

Accepted Answer

Absolutely — self-employed and ABN holders are very welcome. We have specialist lenders who understand irregular income and can work with BAS statements, bank statements, or accountant declarations.

Question 6

Can I finance a private sale vehicle?

Accepted Answer

Yes. We can finance both dealer and private sale purchases for new and used vehicles. Just let your broker know at application and we'll guide you through the additional steps involved.

Question 7

What types of vehicles can I finance?

Accepted Answer

Cars (new and used), utes, vans, SUVs, trucks, caravans, campervans, motorbikes, boats, jet skis, and commercial equipment. If it's an asset, we've likely financed it.

Question 8

What documents do I need to apply?

Accepted Answer

Typically: photo ID, proof of income (payslips or last 2 years tax returns for self-employed), and basic vehicle details. Your broker will advise exactly what's required for your situation.