Whether it's a new family SUV, a used car from a private seller, a work ute on your ABN, or an EV with a green-loan discount, the lender and structure make a real difference to what you pay. Dealer finance is convenient but rarely the sharpest deal — the commission is built into your rate. As finance brokers, we compare car and vehicle loans across banks and specialist auto lenders, arrange pre-approval before you shop, and handle everything through to settlement, including private-sale paperwork most banks make painful.
Common Challenges
What's Included
Our Process
Why Choose Wiseman Financial?
Frequently asked questions
Is broker car finance cheaper than dealer finance?
Usually, yes. Dealer finance embeds commission in your rate; we compare multiple lenders openly and disclose our commission. Bringing broker pre-approval also gives you leverage to negotiate the car's price itself.
Can I finance a private sale car?
Yes — several of our lenders specialise in private-sale finance. We handle the payout letter, PPSR check and transfer paperwork that make private sales tricky with banks.
Can I get car finance on an ABN?
Absolutely. Chattel mortgages for business-use vehicles often come with sharper rates and potential tax advantages (GST credits, depreciation, interest deductions) — confirm specifics with your accountant, and we'll structure the loan to match.
How fast can car loan pre-approval happen?
Commonly 24–48 hours with the specialist auto lenders, sometimes same-day for clean applications.
Do you finance electric vehicles?
Yes — several lenders offer discounted 'green loan' rates for EVs and low-emission vehicles, which we compare alongside standard car loan options.