Get a Better Deal on Your New Car
We take the hassle out of finding the best new car loan for you.
- No risk to your credit score
- 50+ lenders compared for you
- Same-day pre-approvals
3 Steps To Your New Car
Start simple, get clear answers, and drive off with confidence.
STEP 1
Take the quiz
Answer a few quick questions on our quiz to kickstart the process
STEP 2
Discuss your options
We'll be in touch to get a few more details, so we can find the 3 best loan options available to you
STEP 3
Get your dream vehicle
Drive away knowing you’ve secured the best deal
Some of Our 50+ Lending Partners
Looking to get behind the wheel sooner?
Let us help you take the first step with straightforward finance options.
Why choose charged financE
One person, one point of contact
Private & commercial sales
Real comparisons across multiple lenders
Fast, straightforward process
Open to all credit types
Backed by 20 years of experience
Finance Options for Whatever You're Looking to Drive
Our experienced team is here to guide you through every step, ensuring you understand your options and making the entire experience a simple process.
New cars
Lock in your finance first and flip the power dynamic. Dealers talk differently when they know you’re ready to sign and walk.
Used cars
Simplify the journey to owning a reliable used vehicle. Shop freely knowing your finance is already sorted behind the scenes.
Private
Secure a great deal even when buying privately. Smooth approvals and support make private purchases feel like dealer deals.
Commercial
Equip yourself with the right vehicle to power your business. Get it done quickly with terms that match how and when you earn.
Buying an electric car?
Discounted rates on EV Financing options are available, from our access to dedicated EV lenders
What Customers Say About Us
frequently asked questions
Why are your rates cheaper than big banks?
Banks only have 1 option for you and your rate is based on your profile, other lenders may score you better giving you a better deal. With over 30 lenders available to you we will find you the best option.
Can I still get finance with bad credit?
In most cases there is a loan for everybody (within reason) if your overall credit profile is poor the loan will have to pay a higher rate.
How do I apply?
Just take our pre-approval quiz on our website. This will tell you if you meet criteria necessary for a loan. If you do, we’ll reach out and have a chat to see what you are looking for. Then if all good we will collect some documents from you to arrange the loan.
Should I find a vehicle or arrange finance first?
Having the finance in place will always give you better bargaining power when purchasing.
What will my car loan repayments be each week?
The lowest available for your credit profile.
How much deposit do I need for car finance?
In most cases $0, we will personally match you with the right lender with no effect to your credit file.
I am a business owner, can you arrange my car finance?
Yes, we can assist with all business assets from an excavator to an MRI, with 25 years of experience in commercial and consumer lending our specialists will find you the best possible option to suit your business.
Why pay more for your new car than you have to?
Let us help you take the first step with straightforward finance options.
Any repayment examples shown in ads are based on specific loan terms and credit assumptions.
Actual rates may vary.
Licensing statement:
Charged Finance Pty Ltd (ABN: 63667980805) is Credit Representative #551532 is authorised under Australian Credit Licence 389328.
Credit & Repayment Full Disclosure:
Example interest rates from 5.89% p.a. apply to applicants with a prime credit profile and a comparable credit history. Final rates, terms, and repayment amounts may vary based on your individual circumstances, credit assessment, and lender approval. Terms, conditions, fees, and charges apply. Approval is not guaranteed and is subject to each lender’s eligibility criteria.
General Advice Disclaimer:
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.