NEW CAR FINANCE 

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! 

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.

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.

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.

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.