On this page you can complete our quick finance application to see what car loan you qualify for. Simply enter your details to get an instant decision on your borrowing limit and estimated repayments. This helps you budget confidently and choose a vehicle that fits your finances.
Before you apply, use our finance calculator to work out a repayment amount you can comfortably afford each month—keeping in mind other ongoing expenses like rent, utilities, and groceries.
Your credit score directly affects the interest rate you’ll be offered. Pull a free credit report, correct any errors, and, if needed, take a few months to boost your score before applying.
Beyond your loan repayments, budget for insurance premiums, routine maintenance, fuel, and unexpected repairs so you won’t be caught off guard.
A larger down-payment lowers your loan amount, which means smaller monthly payments and less interest paid over the life of the loan.
Don’t just focus on the monthly payment—look at the APR and total loan cost. Shorter terms generally save you money on interest but increase monthly payments; longer terms lower payments but may cost more overall.
Securing finance pre-approval lets you know your borrowing limit up front, strengthens your negotiating power on price, and prevents surprises at signing.
Beyond interest, watch out for application fees, origination fees, documentation charges, and any broker commissions that can add to your total loan cost.
Life circumstances change—know whether you can make extra repayments, settle the loan early without penalties, or adjust your payment schedule if needed.