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Finance Ezi | Australian Finance Brokers

Car Finance

Car Finance




without affecting your credit score




Choosing the right used car is vital, and so is finding the right finance. At Finance Ezi, we specialise in used car  bloans, offering tailored solutions to meet your needs. Our experienced team is committed to finding you the best deal, ensuring a smooth and efficient finance experience.

Why Choose Finance Ezi for Used Car Loans?

Competitive Rates:

Benefit from our low interest rates, starting as low as 5.99%.

Flexible Finance Options:

We provide customisable loan terms to suit your budget and lifestyle.

Quick and Easy Approval:

Experience our efficient approval process, designed to get you on the road faster.

Wide Range of Used Cars:

Finance a variety of used cars, from family vehicles to luxury cars.

Get your no-obligation pre-approval for a used car loan now.

Click Here to Apply Now


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

Car Loan Calculator

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Our used car finance options at Finance Ezi are designed to align with your individual needs and financial circumstances. Whether you are upgrading your current vehicle or embarking on the exciting journey of purchasing your first car, our car finance solutions are comprehensive and inclusive.


Experience a streamlined approval process. Our robust and efficient system is designed for quick evaluations, ensuring you receive a response typically within 24 hours.

Accessible Loan Amounts

Our loan offerings begin at $8,000, providing financial flexibility to cater to various needs, from compact used cars to luxury vehicles.


Tailor your loan to fit your financial situation. We offer a variety of term lengths and repayment options to ensure your finance plan suits your lifestyle.


Our online application process is designed for convenience, taking less than 30 seconds to complete. This means you can start your used car finance journey anytime, anywhere.


Benefit from some of the most competitive rates in the market, making your car finance accessible and affordable.


With Finance Ezi, what you see is what you get. We believe in transparency, ensuring no hidden costs or surprises.

Apply today and experience the ease and convenience of a used car loan with Finance Ezi. Drive away in your chosen car, assured that you have the backing of a reliable and customer-focused finance partner.

Apply Now

Easy Car Finance with Finance Ezi – New and Used Car Loan

Whether you’re in the market for a new or a used car, Finance Ezi has got you covered. We work with leading banks and lenders to offer you the best rates and terms tailored to your individual requirements.

New Car Loan:

Dreaming of a brand-new car? We make it possible with loans starting from $8,000.

Used Car Loan:

Looking for a reliable pre-owned vehicle? Trust Finance Ezi to provide competitive and comprehensive finance solutions.

Get Started with Finance EZi

Don’t let the challenge of financing deter you from owning your dream car. At Finance Ezi, we simplify the used car loan process, offering you the guidance and support you need to make an informed decision. Contact us today and take the first step towards securing used car loans at the best rates.

Ready to begin your car-buying journey? Finance Ezi is here to help you every step of the way.

Apply Now

Used Car Loan FAQs: 

Who has the lowest finance rate for used car loans in Australia?

Finance Ezi has one of the lowest used car loan rates available in the Australian market, with new car finance rates from 5.99 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 used car loan at a competitive rate? Look no further! Finance Ezi offers an exceptional rate of 5.99%, 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 that car loans compare on individual circumstances, but with Finance Ezi, you’re starting on a strong footing in the 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 used car loans are available through Finance Ezi?

Finance Ezi offers a versatile range of used 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: 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 used car 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): This covers the difference between the insurance payout and the remaining loan balance if your car is written off.

Our car loan specialists at Finance Ezi will guide you through all available car loan options and protections to tailor a car loan package that best suits your needs and circumstances upon approval.

Can I finance a used car with Finance Ezi?

Absolutely! At Finance Ezi, we offer competitive financing options for used cars. 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.

What will my car loan repayments be for a used car?

Your used car loan repayments with Finance Ezi depend on several factors, including the loan amount, interest rate, and term length. Our user-friendly online car loan calculator helps you estimate your monthly repayments. Simply enter the loan amount, interest rate, and term to get an instant estimate. Remember, the final repayment amount may vary based on your individual circumstances and the specifics of the loan package you choose.

Do you offer fixed interest rate car loans?

Yes, at Finance Ezi, we understand the importance of budgeting and financial planning. That’s why we offer fixed rate loans, providing you with the stability and predictability of consistent repayment amounts throughout the loan term. This lets you easily manage your finances, knowing your repayment amount won’t change due to interest rate fluctuations.

What is the minimum loan amount for used car loans?

Our used car loan offerings start at a minimum of $8,000, ensuring we cater to a wide range of financial needs and vehicle preferences. Whether you’re looking for a compact car or a more luxurious option, our finance solutions are designed to meet your requirements. Contact us for more information on minimum loan amounts and how we can assist you in financing your used car purchase.

How do I apply for a used car loan with Finance Ezi?

Applying for a used car loan with Finance Ezi is straightforward and convenient. Start by completing our simple online application form, which takes less than 30 seconds to fill out. Once submitted, our team will review your application and contact you to discuss the next steps. We strive to make the process seamless and stress-free, ensuring you get the financial support you need to purchase your used car.

Are new or used car loans more expensive over time?

At Finance Ezi, we understand that choosing between a new or used car loan involves considering various financial factors. Generally, used car loans may have higher interest rates due to the perceived higher risk associated with used vehicles. However, the lower initial cost of a used car can often offset the higher rates, potentially making a used car loan more cost-effective over time.

On the other hand, while new car loans offer lower interest rates, the higher purchase price and rapid depreciation of new cars can increase the overall cost. Additionally, the larger loan amount for a new car can lead to higher total interest payments over the life of the loan.

In conclusion, the choice between new and used car financing should be based on your personal financial situation, the total cost of ownership, and the specific terms of the loan. At Finance Ezi, we’re committed to helping you find the most suitable and cost-effective financing option for your needs, whether you’re buying a new or used car.

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