A car loan broker submits one application and compares it across a panel of lenders, rather than taking whatever finance is offered at the dealership. Brokio arranges car and vehicle finance for new and used vehicles from Williams Landing, Victoria, including secured, unsecured, and ABN or self-employed applications. Approval times vary by lender and by application.
New or used, we arrange competitive car finance with fast approval — comparing lenders so you get a sharp rate without the dealership markup.
We are based in Williams Landing and arrange vehicle finance across Melbourne. The value of a broker here is not paperwork — it is knowing which lenders on our panel of 40+ will consider your particular situation before you apply, so you are not collecting declines that sit on your credit file. If you want the detail on how broking works first, read our car loan broker guide.
Financing a new car is usually the most straightforward application, and it is also where dealer finance is pushed hardest. The dealership sells finance at the moment you are committed to the car, which is rarely when you negotiate best. Arranging pre-approval before you walk in means you know your budget and can treat the finance and the car as two separate negotiations.
Used vehicles bring two extra variables: the age of the car at the end of the loan term, and whether it is being bought from a dealer or privately. Many lenders cap how old a vehicle can be when the loan finishes, which quietly rules out some cars, and private sales need a PPSR check to confirm the vehicle is not encumbered. We work out which lenders suit the specific car before the application goes anywhere.
A secured car loan is held against the vehicle, which usually means a lower rate but the lender has recourse to the car. An unsecured loan is not tied to the vehicle, which suits older cars or private sales that a secured lender will not touch, and generally costs more. Which one is available to you depends on the car as much as on your finances, and we compare both where both are possible.
If the vehicle is for business use, a chattel mortgage or commercial loan is often the better structure, and the GST and depreciation treatment differs from a consumer loan. That is an accounting question alongside a finance one — we arrange the finance and recommend you confirm the tax position with your accountant. Self-employed applicants without full financials may still qualify through low doc lending.
Temporary visas, a short time in a job, self-employed income assessed from BAS, or credit history that needs explaining — lender appetite varies widely on all of these, and a bank that says no is telling you about its own policy, not your creditworthiness. Eligibility varies by lender and nothing is guaranteed, but comparing a panel is how these applications find a home. Our 485 visa car loan guide covers one common case in detail.
Dealer finance is convenient and the convenience is priced in. Comparing across our panel, away from the pressure of the sale, is how you find out whether the dealership offer was competitive. Run the numbers first with our loan repayment calculator and the Comparison Rate calculator.
It depends on your income, credit history and the vehicle. We help you find the right amount and lender.
Car loans can often be approved within 24–48 hours.
Obligation-free chat — message us now and we'll come back with clear options, usually within minutes.