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Finance Ezi | Australian Finance Brokers

Car Finance

Car Finance



Finance Ezi's 5.54% Rate for Car Loan & Finance


without affecting your credit score




Whether it’s a sleek new sedan for personal use or a robust fleet for your business, at Finance EZI, we understand that each driver has unique needs. Our dedicated team of business managers are experts in crafting personalised new car loan solutions that fit you perfectly.

Here’s what makes our new car loans stand out:

Swift and Simple Process:

Get behind the wheel faster with our streamlined application, ensuring rapid approvals for new and used vehicles.

Competitive Interest Rates:

Enjoy some of the most attractive rates in the market.

Flexible Terms:

Find a repayment plan that suits your budget.

Zero Deposit Options:

Dream big, even with no upfront payment.

Contact Finance EZI now for a no-obligation pre-approval.

Click Here to Apply Now


See what you could borrow. Simply enter the details below! 

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Low Rates & Flexibility with Finance EZI’s New Car Loans


At Finance EZI, we understand that every driver has unique needs. That’s why we offer an array of new car loan options. Choose a variable loan for extra repayment flexibility, allowing you to adapt to life’s changing circumstances with up to $8,000 available for daily redraw. 


We value your time. Our efficient approval system is designed to provide stress-free, rapid responses within 24 hours for most applications, subject to all requirements being met. This swift service ensures you can purchase your new car without unnecessary delays.


Whether you’re eyeing an entry-level model or a luxury vehicle, Finance EZI’s new car loans start from as low as $8,000, catering to a wide range of financial situations. Our goal is to make car ownership accessible and affordable.


Embark on your car-buying journey with ease. Our streamlined online application process takes less than 30 seconds to complete! Plus, enjoy the convenience of managing your loan online with our user-friendly platform and rely on our dedicated customer support team to assist you every step of the way.

Apply today and experience the seamless, flexible approach to new car loans only Finance EZI can offer. Drive away in your dream car with confidence and ease. 

Elevate Your Car-Buying Experience

Why wait? The road to your new car is smooth and straightforward with Finance EZI. Start your application now and join the many satisfied customers who’ve navigated the path to car ownership with our expert guidance and flexible financing options. Your new car awaits! 

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Finance EZI: Your Go-To for Both New and Used Car Loans


Discovering the perfect car loan to match your budget and lifestyle can be daunting. That’s where Finance EZI steps in. We collaborate with top banks to secure your ideal car loan tailored to your needs. Whether it’s a new or used car, we’re here to make your car ownership dreams a reality.


Envision yourself behind the wheel of the latest model. Finance EZI turns this dream into a reality. Our new car loans start from $8,000, catering to a range of budgets and preferences. We offer the flexibility to purchase from dealers or private sellers, ensuring your car-buying journey is as seamless as it is exciting.


Need a dependable car for daily commutes or family outings? Finance EZI has you covered. We prioritise your safety and security, offering comprehensive loan packages with protection services. Our team of experts is ready to guide you through the financing maze, ensuring you find a used car that ticks all the boxes.


Don’t let financing be a roadblock on your journey to car ownership. Finance EZI is your co-pilot in navigating the world of car loans, making the process straightforward and stress-free. Contact us today and steer your way towards the car that’s waiting for you.

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Who has the lowest new car finance rates?

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.

What are the current car loan rates in Australia?

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’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! 

How long does the application process take with Finance Ezi?

We value your time. Our application process is streamlined for efficiency, typically taking less than 30 seconds to complete the online form. Plus, with rapid assessment protocols, we aim to respond to most applications within 24 hours, provided all necessary information is submitted.

What types of new car loans are available through Finance Ezi?

Finance Ezi offers a versatile range of new car loan options to cater to different financial needs and circumstances, all subject to their lending approval criteria. Here’s a reimagined overview of their offerings:

Personal Unsecured Loans: 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.

Secured Car Loans with Extended Terms: 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: This is a popular choice for business clients. It involves the lender holding a ‘mortgage’ over the vehicle while you make payments, offering potential tax benefits under certain conditions.

Fully Maintained and Novated Leases: 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.

Commercial Motor Finance for Low Doc/No Doc Clients: Tailored for business clients with limited documentation, these finance options provide solutions for commercial vehicle purchases without requiring extensive paperwork.

Salary Sacrifice Schemes: 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.

Can I finance a used car with Finance Ezi?

Absolutely! Finance Ezi isn’t just about new cars. We offer competitive financing options for used cars as well. Our goal is to help you find a reliable vehicle that fits your budget, whether it’s brand new or has a bit of history.

How much are new car loan repayments?

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. 

How do unsecured and fixed rate loans differ in the context of new car loans by Finance Ezi?

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.

What is the minimum loan amount offered by Finance Ezi?

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.

what our Clients say…

I have been a client of Finance Ezi for close to seven years and my dealings with Ryan since his appointment as Finance Manager have been excellent. His foresight to look outside the box and therefore the big picture has been a blessing. Ryan’s processing of paperwork is impeccable and in my circumstances, like most applicants, there is always something different with every application. Therefore, I have great respect for Ryan and will continue to utilise his knowledge and experience.

Peter Jones

Partnering with Finance Ezi is the direct bridge to your business’ overall financial success. With access to domestic and global funds, you can be confident that your business will receive the ultimate finance deals to optimise your customer relations and profits.

Frank Smith

We have had the easiest approval and helpful service from you. You are a credit to the company and we are extremely happy with the outcome. We are looking forward to getting the boat on the water and have booked our boat license. We would not only recommend you to our friends/family but will definitely return for future finance. Thank you so much.

Fiona Carroll


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Finance Ezi | Australian Finance Brokers