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Car & Vehicle Finance | Mortgage & Finance Advisory
Vehicle Finance Specialist

Drive Away in Your Perfect Vehicle

Whether it's a family car, work ute or business fleet—we'll find competitive finance that suits your budget and situation. New or used, dealer or private sale.

Vehicle Finance Snapshot

Key numbers to know

From 5.99%
Rates Available*
1-7 Yrs
Loan Terms
Same Day
Pre-Approvals
60+
Lenders Compared

*Rates subject to credit approval and lender criteria.

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Vehicles We Finance

From everyday cars to commercial fleets—new or used, dealer or private sale.

Cars & Sedans

Personal or business use

Utes & 4WDs

Work and adventure

Trucks & Vans

Light & heavy commercial

Trailers & Caravans

Recreation & business

Fleet Vehicles

Multiple vehicle packages

Electric Vehicles

EVs & hybrids

Motorcycles

Bikes & scooters

Prestige & Luxury

Premium vehicles

Benefits of MFA Vehicle Finance

More than just a loan—we find the right finance for your situation.

Pre-Approval Power

Shop with confidence knowing exactly what you can spend. Pre-approvals often same day.

Competitive Rates

Access to 60+ lenders means we find competitive rates for your situation.

Flexible Structures

Personal loans, chattel mortgages, leases—we match the structure to your needs.

Personal Service

Deal directly with me—not a call centre. I'm with you from enquiry to settlement.

Choose Your Finance Type

Different structures suit different situations. Here are your main options.

Personal

Consumer Car Loan

Standard car loan for personal use. You own the vehicle, with the lender holding security until paid off.

  • Fixed or variable rates
  • 1-7 year terms
  • New or used vehicles
  • Balloon options available
Business

Chattel Mortgage

Own the vehicle from day one. Claim GST upfront and depreciation. Ideal for GST-registered businesses.

  • Immediate ownership
  • GST credit upfront
  • Claim depreciation
  • Residual/balloon options
Salary Package

Novated Lease

Salary package your car through your employer. Save on tax, GST and running costs.

  • Pre-tax payments
  • No GST on purchase
  • Running costs included
  • EV FBT exempt

Your Vehicle Finance Journey

From enquiry to driving away—here's how it works.

1

Quick Chat

Tell us about the vehicle you want and your budget.

2

Get Pre-Approved

Know your budget before you shop. Often same day.

3

Find Your Vehicle

Shop with confidence at dealers or private sellers.

4

Finalise Finance

We lock in the best rate and handle paperwork.

5

Drive Away

Settlement done, keys in hand. Enjoy your new wheels!

Vehicle Finance FAQs

Quick answers to common questions.

Can I finance a used car?

Absolutely! We finance new and used vehicles from dealers or private sellers. Age limits vary by lender—typically up to 12-15 years old at end of loan term.

How much deposit do I need?

Many lenders offer 100% finance, so you may not need a deposit. A deposit can lower your repayments and may help with approval.

What's a balloon payment?

A balloon (or residual) is a lump sum due at the end of your loan. It reduces monthly repayments but means you'll owe more at the end. You can refinance, pay it off, or trade in.

How long does approval take?

Pre-approvals are often same day. Full approval typically takes 1-2 business days once we have your documents. Settlement can be very quick once approved.

Can I buy from a private seller?

Yes! We can finance private sales. There are a few extra steps to protect both parties, but it's straightforward.

What if I'm self-employed?

Self-employed borrowers are welcome. Some lenders use different criteria, but we have options for ABN holders and business owners.

Ready to Get Behind the Wheel?

Let's find the right vehicle finance for you—get pre-approved and shop with confidence.

Or email hello@mortgagefinanceadvisory.com.au