Do I need to provide anything with my application?
Most lenders have similar criteria - If applying for finance (car loan, hire purchase, chattel mortgage, novated lease, finance lease, or car lease) completed application and forward your most recent financial statements/tax returns, payslip, and/or group certificates. This extra information will speed up your assessment & may also allow you to qualify for a discount on interest rate based on that information. On settlement some of the following may also be requested before finalising:

1. Payslip or letter from your employer
2. Bank account details for direct debit
3. Proof of home ownership
4. Formal identification
5. Comprehensive insurance policy
6. Drivers licence (with correct addresses)
7. Rent receipt (if your renting)
8. Company common seal (if a company)

Are there any fees to apply?
There is no fee to apply for a car loan.

Can I get my finance approved before purchasing?
Yes, getting pre-purchase approval before you go shopping is a good idea it allows you to bargain on the showroom floor.

Can I buy a car privately? Can I buy from a dealer?
Some used cars may require a vehicle inspection (eg NRMA or RACQ) supplied  prior to payment, particularly those purchased privately. This is not required if Unsecured Loan is used.

When do I make my first payment?
Car loan repayments are usually 14 days (then fortnightly) after settlement of a personal car loan. Business finance applicants have the first monthly repayment due on the day of settlement. Remaining payments are deducted from your nominated bank account.