New Car Finance Made Easy
Get Affordable New Car Loans From 5.54%
*Comparison Rate 6.66%
Drive Away in Your Dream Car with Australia's Fast Approval, Low-Rate Financing Solutions from Ezi Finance.
- Best Rates
- Low Repayments
- Fast & Simple
Finance Your New Car With Confidence
At Finance Ezi, we make it simple to secure finance for your new car, offering a range of flexible and affordable loan options. Whether you’re purchasing your first vehicle or upgrading to a newer model, our team is here to help you navigate the process with ease.
With access to a wide network of lenders, we offer competitive interest rates and fast approvals to get you behind the wheel sooner. Our new car finance options are tailored to suit your budget, allowing you to enjoy manageable repayments without compromising on the car you want.
From small cars to family SUVs and luxury vehicles, Finance Ezi ensures you get the best deal with personalised loan packages designed to meet your needs.
- Best Rates
- Low Repayments
- Fast & Simple
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Request a free quote online and list your loan requirements.
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With over 40 lenders, we help secure the best rates and terms.
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Swift approvals, so you can focus on growing your business.
New Car Loan Types
At Finance Ezi, getting a new car is made easy. We can offer:
Ideal for borrowers who prefer not to use assets as collateral. A personal loan offers flexibility but might come with slightly higher interest rates due to the increased risk to the lender.
Offering up to 84 months of repayment terms, these loans require your new car as collateral, usually resulting in more favourable interest rates.
Chattel mortgage is a consumer loan wherein the borrower owns the asset upfront but with the financier holding the title as security during the term. Borrowers can opt to make a deposit and/or balloon payment. GST can also be claimed as long as your business is registered.
Chattel mortgages are typically taken out to purchase vehicles for personal use but it can also be a good choice for acquiring company vehicles like service cars and trucks.
A novated lease is a three-way agreement between you, your employer, and the finance company, often resulting in tax benefits. Fully maintained leases include expenses like servicing and insurance in the lease payments.
Tailored for business clients with limited documentation, these finance options provide solutions for commercial vehicle purchases without requiring extensive paperwork.
These involve making car loan repayments from your pre-tax salary, potentially reducing your taxable income.
In addition to these loan types, Finance Ezi also offers a range of add-on options to enhance your loan package, subject to lender approval.
These extras include:
- Car Insurance: Essential protection for your new vehicle.
- Mechanical Breakdown Warranties: Coverage for mechanical issues, providing peace of mind.
- Credit Protection for Unemployment: A safeguard against loan repayments in case of job loss.
- Disability and/or Death Insurance: Financial protection for unforeseen personal circumstances.
- Shortfall Cover (GAP Insurance): Covers the difference between the insurance payout and the remaining loan balance if your car is written off.
The team at Finance Ezi is prepared to guide you through all available options and protections to tailor a loan package that best suits your needs and circumstances upon approval.
Car Loan Calculator
Use our easy new car loan calculator to estimate repayments. Enter your details for a quick snapshot of your borrowing power and loan options.
Monthly Repayments
We understand the importance of budgeting and offer monthly repayments for your car loan. This system allows you to manage your finances more effectively, ensuring you can enjoy your new car without the stress of a large upfront payment.
Fast Loan Approvals
We pride ourselves on our quick approval process. We know you’re eager to start driving your new vehicle, so we make it our mission to help you achieve your business vehicle dreams without unnecessary delays.
Low Fees and Charges
We are committed to keeping your financing affordable. We strive to maintain low fees and charges, ensuring transparency so you know exactly what you’re paying for. With no hidden costs, you can confidently budget for your purchase.
Flexible Loan Options
We recognise that everyone’s financial situations and needs are unique, so we offer a variety of car finance options. Whether you’re in the market for a new or used car, our flexible terms are designed to suit your specific circumstances.
Buyer Freedom
Whether you have your eyes on a brand-new model, a used car, or a private sale, our financing solutions cover all avenues for your purchase. You have the freedom to choose the best option for your unique vehicle needs.
Boost Positive Credit History
Consistently meeting your loan repayment obligations on time each month with us can help improve your credit score. A better credit score makes it easier to get approved for future loans and often at a more favourable interest rate.
New Car Loan FAQs
Finance Ezi has one of the lowest car finance rates available in the Australian market, with new car finance rates from 5.54 at a comparison rate of 6.66%. Please note: The comparison rate shown is for a secure loan amount of $30,000 over a loan term of 5 years based on monthly repayments. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Approval is subject to customer profile and lender guidelines.
Looking for a competitive new car finance rate? Look no further! Finance Ezi offers an exceptional rate of 5.54%, significantly lower than the Australian average of 12.08% and undercutting many competitors. While rates like NRMA’s range from 7.29% to 7.79%, and loans.com.au’s rate stands at 7.74%, Finance Ezi provides a more affordable option. Keep in mind rates may vary based on individual circumstances, but with Finance Ezi, you’re starting on a strong footing in the new car finance market. Act now for a rate that fits your budget!
Our approval process is quick and efficient, with most new car loans approved within 24-48 hours, allowing you to drive away sooner.
Yes, Finance Ezi can help you finance luxury or high-end vehicles. We offer tailored finance solutions to meet your specific needs, whether you’re looking to purchase a premium sedan, sports car, or an SUV. Our team understands the unique requirements of financing luxury vehicles and is here to assist you in securing the best options available for your purchase.
While a deposit is not always required to secure a new car loan with Finance Ezi, having one can enhance your chances of approval and may help you secure better loan terms. A deposit reduces the amount you need to borrow, which can lead to lower monthly repayments and less interest over the life of the loan. However, our team can work with you to explore your options, whether you’re able to make a deposit or not.
We work with over 35+ lenders, and repayment terms are subject to vehicle age, amount borrowed, loan type (fixed rate loan or unsecured car loan), loan term, amongst a number of other things. Speak to the Finance Ezi team to learn more about new car loan repayments.
With Finance Ezi, customers have the flexibility to choose the type of loan that best suits their needs, including both unsecured and fixed-rate loans specifically for new car purchases.
An unsecured loan from Finance Ezi for a new car doesn’t require any collateral. This option is ideal for borrowers who might not have significant assets to offer as security or prefer not to link their assets to the loan. However, because these loans represent a higher risk to the lender, they might come with a slightly higher interest rate compared to secured loans.
On the other hand, Finance Ezi’s fixed rate loans (or secured car loan) offer the stability of a constant interest rate throughout the loan term. This means your monthly repayments remain unchanged and may also result in lower monthly repayments, providing predictability and ease in budgeting. These loans can be either secured or unsecured, giving you the advantage of stable payments with or without collateral.
In summary, Finance Ezi caters to different borrower preferences and circumstances by offering both unsecured loans (without needing collateral) and fixed-rate loans (with consistent interest rates), ensuring a tailored approach to financing your new car.
The minimum loan amount offered by Finance Ezi is $8,000. This amount allows a wide range of customers to access financing for their new car purchases, catering to various budgets and needs. Whether you’re looking for a compact car or the first step towards a more luxurious vehicle, Finance Ezi’s minimum loan amount is designed to make car ownership more accessible and achievable.
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