Competitive car loans tailored to your situation. Whether you're buying new, used, or refinancing, we find the right finance solution for you.
Why finance with MFA
*For most standard applications. T&Cs apply.
Different loan types to suit different needs. We help you find the right structure for your situation.
The vehicle acts as security, giving you access to lower interest rates and better terms.
No security required. Ideal for older vehicles or when you want flexibility.
Business finance for vehicles. Keep ownership from day one with potential tax benefits.
The financier owns the car while you use it. Common for business fleet vehicles.
Self-employed or irregular income? Simplified documentation requirements.
Already have a car loan? Refinancing could lower your repayments or unlock equity.
Smart reasons to use car finance instead of paying cash.
Keep your savings for emergencies, investments, or other opportunities instead of tying up capital in a depreciating asset.
Fixed repayments make budgeting easy. Know exactly what you're paying each month for the life of the loan.
Get behind the wheel now instead of waiting to save. Car finance helps you access the vehicle you need when you need it.
Regular, on-time repayments help build a positive credit history, making future borrowing easier and cheaper.
Balloon payments, weekly/fortnightly/monthly options, and redraw facilities give you control over how you manage the loan.
Business use? You may be able to claim interest, depreciation and running costs. We can structure your loan to maximise benefits.
With over 12 years in banking and finance, we understand what lenders look for. We position your application for approval and negotiate the best terms on your behalf.
We compare options across Australia's leading lenders to find the right fit for your circumstances.
Why using a broker often beats dealer finance.
| Feature | Dealer Finance | MFA Broker |
|---|---|---|
| Lender options | 1-3 lenders | |
| Rate shopping | Limited | |
| Negotiation power | Minimal | |
| Pre-approval | Rarely available | |
| Transparency | Commissions hidden | |
| Pressure tactics | Often high | |
| Ongoing support | Limited |
From first enquiry to driving away.
Tell us about the car you want and your situation.
We compare lenders and present your best options.
Get approved so you can shop with confidence.
Buy from dealer or private—your choice.
We handle the paperwork. You get the keys.
Quick answers to common questions.
We work with lenders across the credit spectrum. Even if you have past credit issues, there are options available. We assess each situation individually.
Yes. Most lenders finance used vehicles up to a certain age (typically 10-12 years at end of loan). Private sales can also be financed with the right loan product.
Many lenders offer 100% finance for new cars. For used cars, a 10-20% deposit often gets you better rates. We can advise on the best approach for your situation.
A balloon (or residual) is a larger final payment that reduces your monthly repayments. At the end, you can pay it out, refinance, trade in, or sell the car.
Pre-approval can be as fast as same-day for straightforward applications. Full approval typically takes 1-3 business days depending on the lender and complexity.
For most standard car loan applications, there is no broker fee—we are paid by the lender. For complex scenarios, we discuss any fees upfront before proceeding.
Get a personalised car loan quote and see how much you could save compared to dealer finance.
Or email hello@mortgagefinanceadvisory.com.au
