Car Finance
Sertified For Success

A car loan is a finance product offered by Australian banks and lenders to help individuals or businesses purchase a vehicle. The car itself is typically used as security for the loan, which reduces the lender’s risk and can lead to lower interest rates and higher approval chances.

To explore your car finance options, call us at 1300 041 041 or apply online here.

Sertified Finance is a team of experienced finance professionals specialising in car loans for individuals and businesses across Australia. With years of expertise in securing vehicle finance, we operate Australia-wide and are open 7 days a week to ensure fast and hassle-free funding when you need it most. We partner with a select panel of 78 leading Australian banks and lenders, offering a comprehensive range of car finance options tailored to your needs.

To get started, call us at 1300 041 041 or apply online here.

Applying for a car loan is quick and easy with Sertified Finance. Simply apply online or call us at 1300 041 041, and our team will guide you through the process. Your borrowing capacity depends on several factors, including:

• Personal or business use of the vehicle
• Income and current expenses
• Existing financial commitments
• Credit score and borrowing history
• Comparable loans or assets

Our car finance options range from $2,000 to $2,000,000, tailored to suit your individual circumstances.

To check how much you can borrow, apply here, or speak with one of our finance experts today!

We offer car loans with flexible terms ranging from 1 to 7 years. Choosing a 7-year loan term allows for lower monthly repayments but results in more interest paid over the life of the loan. However, many of our car loan products come with no early payout fees, giving you the flexibility to pay off your loan sooner—such as in 5 years instead of 7—and save on interest.

To find the best loan term for your needs, contact us at 1300 041 041 or apply online here.

The documents required for a car loan depend on your personal situation and the amount you are borrowing.

• For personal car loans: Identification documents and proof of income (e.g., payslips or bank statements)
• For business car loans: Identification documents and your ABN (Australian Business Number)

Additional documents may be required based on your financial situation.

To find out exactly what you need, contact us at 1300 041 041 or apply online here.

We can have the funds transferred to the car dealership or private seller within 24 hours of your application. If you need urgent finance, call us at 1300 041 041, and one of our finance experts will fast-track your application for a quicker approval.

Yes! Sertified Finance accepts most visa types for car loans. The main exception is the Student Visa (Subclass 500) and any Partner Visa linked to a Student Visa (Subclass 500). We accept a wide range of visas, including but not limited to:

• Skilled visas (189, 190, 489, 491, 887)
• Business & investment visas (892, 893, 188, 888, 132, 890, 891)
• Work & employer-sponsored visas (482, 186, 187, 494)
• Protection & humanitarian visas (202, 866, 200, 201, 203, 204, 785, 790)
• Parent & family visas (103, 143, 804, 864, 100, 801, 115, 835)
• Other visas (Bridging Visa, Global Talent Visa 858, Resident Return Visa 155, Special Category Visa 444, and more)

If your visa type isn’t listed or you’d like to check your eligibility, call us at 1300 041 041, and our finance experts will assist you.

Yes! You can apply for a car loan jointly with your partner on the same application. This can help you both establish a positive credit history while potentially improving your borrowing power. Alternatively, if you prefer to apply individually, we may be able to use your partner’s income as supporting income to strengthen your application.

To explore your options, call us at 1300 041 041 or apply online here.

Yes! If you’ve found a car on Marketplace, Gumtree, Carsales, or any other platform, we can finance it. When purchasing from a private seller, we use Dox.Ai to verify the current owner and ensure the vehicle is not stolen or previously involved in a major accident.

To get started, call us at 1300 041 041 or apply online here.

Yes! We can finance vehicles of any age with no restrictions. Whether you're purchasing a classic car, used car, or an older model, we have finance options to suit your needs.

To find out more, call us at 1300 041 041 or apply online today.

Eligibility for car finance depends on several factors, but with access to 78+ lenders and hundreds of loan products, Sertified Finance offers a wide range of options to suit different financial situations.

To qualify, you must be at least 18 years old. Our team can quickly assess your eligibility—call us at 1300 041 041 or apply online here.

Yes! Getting pre-approved for car finance is one of the best ways to buy a car. It allows you to shop with confidence, knowing exactly how much you’re approved for and what your repayments will be. With a Sertified Finance pre-approval, you’ll have a clear budget and stronger negotiating power—making your car-buying experience faster and easier.

To get pre-approved, call us at 1300 041 041 or apply online here.

We offer flexible car loan repayment options, allowing you to choose between weekly, fortnightly, or monthly repayments. Plus, you may have the flexibility to adjust your repayment structure during the loan term if needed.

To find the best repayment plan for your situation, call us at 1300 041 041 or apply online here.

Yes! We can refinance your current car loan at any stage, as long as it improves your financial position—whether by lowering your interest rate, reducing your repayments, or adjusting your loan term. We can also refinance balloon payments when they become due, helping you manage your finances more effectively.

To explore your refinancing options, call us at 1300 041 041 or apply online here.

Yes! We offer balloon payments of up to 50% of the vehicle’s purchase price. A balloon payment is a lump sum paid at the end of the loan term, which reduces your regular repayments, improving your cash flow throughout the loan period. The balloon amount available depends on factors such as the loan term and vehicle age—typically, newer cars and shorter loan terms allow for higher balloon payments.

To explore your balloon repayment options, call us at 1300 041 041 or apply online here.

Yes! If you're receiving Centrelink payments, you may still be eligible for a car loan through Sertified Finance. We offer finance options for individuals on stable, fixed Centrelink benefits, such as:

• Disability Support Pension (DSP)
• Parenting Payment
• Age Pension
• Carer Payment

However, temporary payments like JobSeeker are not considered as eligible income.

To check your eligibility, call us at 1300 041 041 or apply online here.

Yes! Sertified Finance specialises in bad credit car loans, helping clients get approved even if they’ve been declined elsewhere. We can help overcome past financial issues such as:

• Defaults
• Payday loans
• Missed repayments
• Low credit score
• Bankruptcy

With access to 78+ lenders, we’ll work to find the best car finance solution for you.

To discuss your options, call us at 1300 041 041 or apply online today.

Interest rates vary based on several factors, including:

• Vehicle age (newer vehicles often qualify for lower rates)
• Selected lender (we compare 78+ lenders to find competitive rates)
• Your borrower profile (credit history, income, and financial situation)

To check your personalised interest rate and compare quotes, apply here or call us at 1300 041 041 to speak with our finance experts.