Car Finance
Personal Car Finance
Made Simple
Whether you’re buying new or used, from a dealer or private seller, we help match you with a car loan that suits your situation. With access to 50+ lenders, TradeFin compares your options and negotiates with banks to help secure competitive rates, flexible terms, and a smoother path to approval.
A better way to finance your next car
Dealer finance can be convenient — but it’s not always the most competitive option. As your broker, TradeFin compares your application across 50+ lenders, negotiates with banks on your behalf, and gives you clear finance options before you commit.
Whether you're buying a new car, a used vehicle from a dealer, or a private sale, we handle the paperwork — so you can focus on finding the right car.
50+ lender panel
We compare across banks, credit unions and specialist lenders — not just the obvious choices.
New or used — dealer or private
We can finance new cars, used dealers stock, and private sale purchases.
Pre-approval available
Know your budget before you walk into a dealership — no awkward finance conversations.
Fast turnaround
Same-day response. Many approvals come through within 24–48 hours.
Who this suits
- Consumers / employees looking to finance a personal vehicle
- First-time car buyers wanting to understand their borrowing power
- Anyone who wants to compare lenders before committing
- Buyers purchasing from a private seller who need quick finance in place
We don't do scripted sales pitches — we have a conversation, understand what you need, and find something that actually fits.
CAR LOAN FAQS
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
How does a consumer car loan work?
A consumer car loan helps you buy a car for personal use and repay it over an agreed loan term. The loan may be secured against the car or unsecured, depending on the lender and your situation. We help you compare options, understand repayments and choose a structure that feels comfortable for your budget. Whether it's your first car or an upgrade, we'll make it simple.
Can I get pre-approved before I choose a car?
Yes, and it's often a smart move. Car loan pre-approval can help you understand your budget before you visit dealerships or start negotiating with a private seller. It can also help you avoid falling in love with a car that stretches the finances too far. We'll help organise the pre-approval and explain any lender conditions before you buy.
Do I need a deposit for a car loan?
Not always. Some lenders may allow you to borrow the full purchase price, depending on your profile, the car and the loan structure. That said, a deposit can sometimes improve the application, lower repayments or reduce the total amount borrowed. We'll look at the numbers with you and help you choose an option that feels practical.
Can I finance a used car or private sale car?
Yes, many lenders will consider used cars and private sale purchases, provided the car meets their age, condition and security requirements. Private sales usually need a few extra checks, such as the vehicle details, seller information and payout details if there is finance owing. We'll help you understand what's needed so the purchase can be handled safely.
What is the difference between a secured and unsecured car loan?
A secured car loan uses the vehicle as security for the loan. This may help with sharper rates, depending on the lender and your profile. An unsecured loan does not use the car as security, but the rate may be higher. We'll explain both options in plain English and help you compare the total cost, not just the monthly repayment.
Can I get a car loan with bad credit?
Possibly. A less-than-perfect credit history does not always mean a straight no. Different lenders assess applications in different ways, and some are more flexible than others. We'll take the time to understand what happened, what has changed and what loan options may be available. Our approach is friendly, realistic and focused on finding a positive path forward.