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Frequently Asked Questions
CarLoans365 is a car finance broker. We work with over 40 lenders and help compare options so customers can find a suitable car loan based on their situation.
Some applications can be approved within a few hours, while many are completed within one business day. Timing depends on the lender, the application quality and the supporting documents provided.
We work with more than 40 lenders across Australia. This allows us to compare a broad range of options rather than relying on just one lender.
No. We can help you obtain pre-approval first so you understand your budget before you choose a vehicle.
We work with lenders that consider a range of credit profiles. While approval is never guaranteed, we may still be able to help depending on your circumstances.
We aim to minimise unnecessary credit checks and only proceed where appropriate. The exact impact depends on the lender and the type of assessment undertaken.
In many cases, we are paid by the lender, meaning there is no direct fee to the customer. If any fee ever applies, it should be explained clearly before proceeding.
Yes. Pre-approval can help you understand your budget before you commit to a purchase.
Yes. We aim to provide each customer with a dedicated point of contact from enquiry through to settlement.
Yes. A decline elsewhere does not always mean finance is impossible. We may still be able to help depending on why the application was declined.
Yes. We can assist with finance for both new and used vehicles, subject to lender criteria.
Yes. We can assist with private sale finance, subject to lender requirements and the details of the vehicle.
Yes. We regularly assist customers buying from dealerships and can work alongside the dealer to help progress the purchase smoothly.
We look at factors such as your income, employment, credit profile, the type of car you are buying, whether you are buying privately or through a dealer, and what outcome is most important to you.
Yes. We work with lenders who consider self-employed applicants. The documents required may vary depending on the lender and your trading history.
Yes. We can assist many visa holders, subject to the lender’s policy and your individual circumstances.
Yes. If you already have a car loan, we may be able to help you refinance to a more suitable structure or potentially reduce your repayments, depending on your circumstances.
Most standard passenger vehicles, utes and many light commercial vehicles can be financed, subject to lender criteria, vehicle age and condition.
Most lenders will require identification, proof of income, and details about the vehicle. Some applications may require additional supporting documents.
This depends on the lender and the overall structure of the loan, but in many cases additional costs can be considered.
Yes. We can start with a pre-approval or budget-based discussion and then progress the application once you have selected the vehicle.
If you have any questions about car finance, please do not hesitate to contact us.
If you have any questions about transporting your car, please do not hesitate to contact us.