Buying your next car

A new car, a used one, or a private sale. There are more finance options than the dealership will show you. We compare them for you so you can focus on the car, not the loan.

Is this right for you?

Who we help finance a new car, a used car, or a private sale

You're buying new and the dealer has quoted finance

A dealer quote is one option. We compare it against lenders the dealership will not show you.

You're buying used or through a private sale

Private sales and older cars change which lenders will lend. We know who finances what.

You're buying a vehicle for your business

A chattel mortgage, a lease, and a loan are all taxed differently. Our accountants and brokers read it together.

You're not sure how balloon payments work

A lower repayment now can mean a large final payment later. We show you the full cost before you sign.

You want the finance sorted before you walk into the yard

Pre-approval gives you a set budget and room to negotiate. Choosing the car becomes the easy part.

How It Works

A clear path from a quote to the keys

Work Out The Car

New, used, or private sale. We confirm what you're buying and what the finance needs to cover.

Get Your Quote And Budget

We quote your repayments across lenders and set a clear budget, including against any dealer offer.

Get Approved

We lodge the application and manage it through to approval. You'll know exactly where you stand.

Pick Up The Car

We coordinate settlement with the seller or dealer. The paperwork is handled, you just collect it.

Frequently Asked Questions

Should I use the dealer's finance or arrange my own?

Dealer finance is one option, not the only one, and it is worth comparing before you sign. The most common regret in car buyer forums is signing finance in the showroom under pressure, then seeing the real cost in the paperwork days later. We arrange your finance separately, so you can walk in with a set budget and treat the dealer quote as just one option to beat.

What is a balloon payment, and should I have one?

A balloon is a large lump sum left owing at the end of the loan. It lowers your monthly repayment now, but you still owe that amount later, and the car may be worth less than the balloon by then. It suits some situations and traps others. We show you the full cost with and without one, so you decide with the whole picture in front of you.

Will applying for a car loan hurt my credit score?

Every formal application leaves an enquiry on your credit file, and several in a short window can lower your score. A common mistake is letting a dealer or a few lenders each lodge an application to “see what comes back.” We assess your position first and match you to the right lender before anything is lodged, so we are not testing your file with multiple hits.

Can I get finance for a used car or a private sale?

Yes. The car being used, older, or bought privately changes which lenders will lend and on what terms, but options exist for all three. Private sales in particular narrow the field, because not every lender finances them. We know which lenders lend on what, so we point you to the ones that fit the car you are actually buying.

Can I claim a car loan if the vehicle is for my business?

Sometimes, and how you finance it changes the tax treatment. A chattel mortgage, a lease, and a standard loan are each treated differently for GST and deductions. Because Deryan Financial Group holds both the accounting and the broking under one roof, our accountants and brokers structure the finance with the tax position in view from the start. The Australian Taxation Office sets how each finance type is treated, and we confirm the current rules with you before you commit.

THINKING ABOUT YOUR NEXT CAR?

Have a conversation with us. We’ll give you a quote and tell you clearly where you stand.