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Frequently Asked Questions

 

What is an unsecured car loan VS a secured car loan?

An unsecured car loan, is a personal loan with no security held.

Can I buy privately or from a dealer?

You have the option to purchase from either.

I have bad credit, can you help me?

We have a wide panel of lenders, some of which will look at customers who have had issues with finance in the past.

Can you get me the best interest rate?

We have a wide panel of lenders at our disposal, so we are able to shop around for the best rate on your behalf.

Can you approve my finance before I start looking for a car?

Yes, we can arrange a pre-approval before you go looking.

Can you help businesses get car financing?

Yes, we specialise in business loans for vehicles.

What is a Chattel Mortgage car loan?

A Chattel Mortgage is a loan structured where you own the vehicle, however you can claim GST, interest and depreciation components in some scenarios.

What is a Low Doc car loan compared to a No Doc car loan?

A low doc loan facility, is a loan that may require a letter from your accountant, or a BAS statement. This can be offered only if the business has been trading for longer than 12 months.

A no doc loan, requires no financials or any other information requested.

How do I salary sacrifice a car?

Salary sacrifice is a facility in which payments are taken out for your vehicle before you are taxed. This needs to be arranged with your employer, however we have lending solutions to suit.

What is a balloon payment on a car loan?

A balloon payment is an amount of money owing at the end of the loan term, which can either be refinanced for a further term, paid out – or vehicle traded or upgraded. A balloon payment helps to keep required payments low, and allows you to upgrade the vehicle sooner.

What is shortfall cover?

Shortfall, or Gap insurance, covers the amount left owing on the vehicle after an insurance payout. A gap payment covers the difference between the insurance payout and what is owing to the finance company.

What do I need with my application?

In most cases, we’ll require two most recent payslips and 100 points proof of ID to get your application started.

When do I make my first payment? Can I make extra payments?

First payment is typically one month after the settlement date of the loan. Extra payments can be made.

What application costs are there?

All our applications are free of charge, and are obligation free. Once a pre-approval has been obtained, we will be able to confirm applicable fees and charges depending on our approved lender.

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Why Choose Finance Ezi?

Fast Approval

Fast Approval

Kick start your financial freedom with fast approval rates. Speedy approvals and customised financial repayments are our specialty. Apply for a loan or a quick quote today.

Competitive Rates

Competitive Rates

We pride ourselves on our competitive rates on finance for cars, trucks, recreational vehicles, caravans, business loans, home loans, and more. At Finance EZI, we finance almost anything.

Trusted Lenders

Trusted Lenders

We’ve been helping people like you achieve their dreams for over 10 years. With an expansive network of business partners, we’re able to secure the best finance deals for your needs.

Talk To Real People

Talk to a Real Person

We know how complicated loan applications are, so we make it our business to support you throughout the entire process. Give us a call to speak to a member of our professional team today.

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