Purchase Support
Explore financing for eligible new or used personal vehicle purchases.
PERSONAL FINANCING
Vehicle Finance
Explore financing options for eligible personal vehicle purchases and transportation needs, with terms assessed according to your circumstances.
ABOUT THIS PRODUCT
Financing for Your Personal Transportation Needs
Vehicle finance may help eligible applicants fund the purchase of a personal vehicle. Whether you are considering a new or used vehicle, the proposed financing is assessed based on the application, affordability and applicable lending conditions.
Vehicles you may wish to finance
- New and used passenger cars.
- Sport utility vehicles (SUVs).
- Family vehicles and minivans.
- Eligible light personal vehicles.
- Other qualifying personal transportation vehicles.
Planning your vehicle purchase
Before applying, consider the vehicle's purchase price, registration, insurance, maintenance and other ownership costs. You should also consider any deposit or contribution required by the seller.
The amount considered for financing may depend on the vehicle, your financial circumstances and the outcome of the application assessment.
POTENTIAL BENEFITS
Make an Informed Vehicle Financing Decision
Individual Assessment
Your intended purchase and repayment capacity are considered as part of the application review.
Clear Financing Terms
Review applicable interest, fees, repayment obligations and any security requirements before accepting an offer.
ELIGIBILITY
Who May Apply?
Individuals seeking financing for an eligible personal vehicle purchase may submit an initial enquiry for review.
Application considerations
- Accurate personal and contact information.
- The intended vehicle purchase and financing amount.
- Ability to meet proposed repayment obligations.
- Supporting information where requested.
- Compliance with applicable lending requirements.
Vehicle information
If your enquiry progresses, you may be asked for information such as the vehicle make, model, year, purchase price and seller details.
Additional checks may be required for used vehicles, including ownership, condition, valuation and any existing finance or legal claims against the vehicle.
Vehicle information and purchase price do not guarantee approval. Any collateral or security requirement will be explained in the proposed financing terms.
RATES AND COSTS
Understand the Cost of Vehicle Finance
Loan Amount
Personal loan applications start at $4,999. The amount considered depends on the purchase, affordability and application assessment.
Interest Rate
Advertised interest rates start at 5.2%. This is the lowest starting rate, not a guaranteed rate for every applicant.
Fees and Repayment
A Due Diligence and Underwriting Fee may apply. Late payment fees may also apply. There are no early repayment penalties.
Consider the total cost of the vehicle and financing, including interest, applicable fees, insurance, registration and maintenance. All applicable financing terms will be explained before you commit.
APPLICATION PROCESS
How to Apply for Vehicle Finance
Submit an Enquiry
Provide your contact details, intended financing amount and purpose of the vehicle purchase.
Initial Review
Our team reviews your enquiry and may contact you for additional information.
Vehicle Assessment
If appropriate, vehicle details and supporting purchase documents may be requested.
Review the Agreement
Review the proposed interest, fees, security requirements and repayment obligations before deciding whether to proceed.
FREQUENTLY ASKED QUESTIONS
Vehicle Finance FAQs
Can I finance a new or used vehicle?
Both new and used personal vehicles may be considered, subject to vehicle eligibility and application assessment.
What vehicle information may be required?
You may be asked to provide the make, model, year, purchase price, seller details and relevant vehicle documentation.
Is a deposit required?
Any deposit or contribution requirement depends on the vehicle purchase and proposed financing conditions. It will be explained during the assessment.
Will the vehicle be used as collateral?
Security requirements depend on the financing arrangement. If the vehicle is required as collateral, the relevant conditions and risks will be explained before you commit.
What is the minimum application amount?
Personal loan applications start at $4,999. The amount considered is subject to assessment.
What interest rate applies?
Advertised interest rates start at 5.2%. Your actual rate depends on the product and application assessment.
Can I repay my vehicle loan early?
Yes. There are no early repayment penalties. Your agreement will explain the applicable repayment instructions.
How long does the initial review take?
We aim to respond to initial enquiries within 1–3 business days. Further verification may affect the overall processing time.
WISECHOICE FINANCIALS
Explore Your Vehicle Financing Options
Tell us about your intended vehicle purchase and financing needs. Our team will explain the next steps if your enquiry may be suitable.
Apply Now