New or used, dealer or private sale, personal, business or novated lease. We compare 60+ lenders to find the option that suits how you'll actually use the vehicle.
Whether it's the family car, a work ute or a van for the business, the right loan depends on more than the rate. How you'll use the vehicle, whether you're on an ABN or PAYG, and how you want the repayments to sit all change which lender and structure make sense.
Hayden looks at your situation, compares options across a panel of 60+ lenders and handles the paperwork with the dealer or private seller through to settlement.
What we can finance
New and used cars
Dual cab and single cab utes
Vans and people movers
4WDs and SUVs
Prestige and performance vehicles
Dealer, private sale and auction purchases
Refinancing an existing car loan
Loan options
How it can be structured.
01
Consumer car loan
For personal use. A secured loan over the vehicle with fixed repayments over an agreed term.
02
Chattel mortgage
For business use on an ABN. You own the vehicle from day one, and the loan is secured against it.
03
Novated lease
For employees and company directors. Lease and running costs are paid from your salary, partly before tax. Fully serviced options available.
An optional lump sum at the end of the term that lowers your regular repayments.
What lenders look at
Every lender weighs these differently. That's why comparing across 60+ of them matters.
Income and employment (PAYG or ABN)
Credit history
Deposit or trade in, if any
Age and type of vehicle
Existing debts and living expenses
How it works
Three steps. One broker.
No surprises. Nothing goes to a lender until you're happy to go ahead.
Fund 360 · Your deal
Enquiry received
Asset · amount · timeframe
Lenders compared
60+ lenders · best fit structure
Approved and settled
Documents · settlement · keys
Step 1 of 3
Enquiry
Lender comparison
Approval and settlement
01
Tell us what you're looking to finance
New or used, dealer or private sale. Tell us the car, ute or van you're after, or your budget if you're still looking.
2 minute quote
No impact on your credit file
02
We compare suitable options suited to you
Hayden checks the panel of 60+ lenders for the loan, chattel mortgage or novated lease that suits how you'll use the vehicle.
60+ lenders
One application, not ten
03
Approval, documents and settlement
Paperwork handled and settlement coordinated with the dealer or private seller, so you can pick up the keys.
Most deals approved within 24 hours
Dealer or private sale
Reviews
5.0
★★★★★
30+ five star reviews
$3,100Average saved per deal vs bank or dealer
93%Approval rate
24 hrsMost deals approved within
What clients say
“
Excellent service, great rates for my Land Cruiser 300 series. Highly recommend
S
Stuart ChurchLandCruiser 300 Series · Great rate
“
Thank you for all your assistance through this journey. I will be referring your services to others. You made it extremely easy.
W
Warwick SmithIsuzu D-Max finance
“
Hayden moved super quick and made the whole process hassle free. I called Hayden at 11am and I pick up my Ute the next day. Will be using his service again.
D
Dillon Homes Pty LtdUte picked up next day
“
I had an excellent experience with Hayden. He helped me secure finance for my Ute and made the whole process incredibly smooth and quick. His communication was clear, his rates were very competitive, and he was completely honest throughout the process. Highly recommend Hayden if you're looking for a reliable and professional broker.
I had a great experience with Hayden from start to finish. The dealer had a 'special rate' for the month and Hayden still managed to beat it and structure the deal properly for me. Everything was super quick and stress free. Would highly recommend to anyone looking to get finance done correctly.
A
ATR Construction Pty LtdBeat the dealer rate
“
Thanks to this legend of a bloke. Hayden has made it so easy for me to get behind the wheel weapon. Kids and I are so stoked. Thanks mate.
J
JRW Engineering Pty LtdVehicle finance
“
Thank you for sorting out the finance for the car. I just wanted to pass a complimentary note on the professional level of customer service with documentation, conversations and follow up, we felt confident with the way you walked us through the process. Should we need to look at future finance we would certainly consider your services and would recommend your services to anyone looking for finance.
P
PSI Supplies Pty LtdCar finance
“
Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.
B
Brenden GrahamHonest · Available after hours
“
Hayden has been amazing to work with, always onto everything straight away. I've worked with him twice in the last 6 months and is always motivated to have everything completed for you in a timely manner. For example my last request was approved and sorted within 24 hours also with a lender that was more suited to my needs. Always easy to talk to and work with and very professional. Will be working with him more in the future.
M
Melbourne District FencingRepeat client · Approved in 24 hours
“
Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.
T
Truck Align Pty LtdApproved in 24 hours
“
Excellent service, great rates for my Land Cruiser 300 series. Highly recommend
S
Stuart ChurchLandCruiser 300 Series · Great rate
“
Thank you for all your assistance through this journey. I will be referring your services to others. You made it extremely easy.
W
Warwick SmithIsuzu D-Max finance
“
Hayden moved super quick and made the whole process hassle free. I called Hayden at 11am and I pick up my Ute the next day. Will be using his service again.
D
Dillon Homes Pty LtdUte picked up next day
“
I had an excellent experience with Hayden. He helped me secure finance for my Ute and made the whole process incredibly smooth and quick. His communication was clear, his rates were very competitive, and he was completely honest throughout the process. Highly recommend Hayden if you're looking for a reliable and professional broker.
I had a great experience with Hayden from start to finish. The dealer had a 'special rate' for the month and Hayden still managed to beat it and structure the deal properly for me. Everything was super quick and stress free. Would highly recommend to anyone looking to get finance done correctly.
A
ATR Construction Pty LtdBeat the dealer rate
“
Thanks to this legend of a bloke. Hayden has made it so easy for me to get behind the wheel weapon. Kids and I are so stoked. Thanks mate.
J
JRW Engineering Pty LtdVehicle finance
“
Thank you for sorting out the finance for the car. I just wanted to pass a complimentary note on the professional level of customer service with documentation, conversations and follow up, we felt confident with the way you walked us through the process. Should we need to look at future finance we would certainly consider your services and would recommend your services to anyone looking for finance.
P
PSI Supplies Pty LtdCar finance
“
Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.
B
Brenden GrahamHonest · Available after hours
“
Hayden has been amazing to work with, always onto everything straight away. I've worked with him twice in the last 6 months and is always motivated to have everything completed for you in a timely manner. For example my last request was approved and sorted within 24 hours also with a lender that was more suited to my needs. Always easy to talk to and work with and very professional. Will be working with him more in the future.
M
Melbourne District FencingRepeat client · Approved in 24 hours
“
Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.
T
Truck Align Pty LtdApproved in 24 hours
“
I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.
C
Christabel MasvosvaClear advice, no pressure
“
Unreal to deal with made the whole process a dream would recommend to anyone that is looking for finance
W
Webb Trucking Co Pty LtdMade the process a dream
“
I recently used Hayden for a loan, and I couldn't be more impressed with the service. The application process was super straightforward and user friendly. I was able to submit everything quickly, and the approval process was really fast. What really stood out was the customer service. They were responsive, friendly, and always ready to answer my questions. They made sure I fully understood the terms of the loan and helped me pick the best option for my needs. The loan itself has great terms, and I felt confident that I was making a smart financial decision. If you're looking for a reliable and easy way to get a loan, I highly recommend Hayden. They made the process simple, stress free, and I'm really grateful for their support throughout!
G
George StrouboukisFast approval
“
Hayden and the team did an excellent job organising a car loan for our business. The turnaround was fast, communication was clear, and everything was handled efficiently with no fuss. It made the whole process easy for us. Highly recommend their service.
T
Trinity Steel Pty LtdBusiness car loan
“
Thanks for everything mate. Thanks for making it so seamless, it was a bloody good experience to deal with someone who's just one of the boys. Well done, I'll definitely be recommending you and using your services again.
G
Grantham Ag Pty LtdAgricultural finance
“
Thank you for all your support and patience to answer my queries and work on my quote and make it happen. I found you with immense knowledge on the subject and too professional to match the competitive pricing for my benefit.
B
Beyond Edge Project ConsultingCompetitive pricing
“
Always there to help with my finance from start to finish. Quick and easy process. I highly recommend.
A
A.K CleaningStart to finish support
“
I was very happy with the service you provided. Your communication was excellent throughout the entire process. I would definitely recommend you to others.
N
Natural Edge JoineryExcellent communication
“
Excellent service and easy to deal with. Highly recommend
O
Olivia PartridgeEasy to deal with
“
Very reasonable and reliable
H
Hannah GreenmanReasonable and reliable
“
I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.
C
Christabel MasvosvaClear advice, no pressure
“
Unreal to deal with made the whole process a dream would recommend to anyone that is looking for finance
W
Webb Trucking Co Pty LtdMade the process a dream
“
I recently used Hayden for a loan, and I couldn't be more impressed with the service. The application process was super straightforward and user friendly. I was able to submit everything quickly, and the approval process was really fast. What really stood out was the customer service. They were responsive, friendly, and always ready to answer my questions. They made sure I fully understood the terms of the loan and helped me pick the best option for my needs. The loan itself has great terms, and I felt confident that I was making a smart financial decision. If you're looking for a reliable and easy way to get a loan, I highly recommend Hayden. They made the process simple, stress free, and I'm really grateful for their support throughout!
G
George StrouboukisFast approval
“
Hayden and the team did an excellent job organising a car loan for our business. The turnaround was fast, communication was clear, and everything was handled efficiently with no fuss. It made the whole process easy for us. Highly recommend their service.
T
Trinity Steel Pty LtdBusiness car loan
“
Thanks for everything mate. Thanks for making it so seamless, it was a bloody good experience to deal with someone who's just one of the boys. Well done, I'll definitely be recommending you and using your services again.
G
Grantham Ag Pty LtdAgricultural finance
“
Thank you for all your support and patience to answer my queries and work on my quote and make it happen. I found you with immense knowledge on the subject and too professional to match the competitive pricing for my benefit.
B
Beyond Edge Project ConsultingCompetitive pricing
“
Always there to help with my finance from start to finish. Quick and easy process. I highly recommend.
A
A.K CleaningStart to finish support
“
I was very happy with the service you provided. Your communication was excellent throughout the entire process. I would definitely recommend you to others.
N
Natural Edge JoineryExcellent communication
“
Excellent service and easy to deal with. Highly recommend
O
Olivia PartridgeEasy to deal with
“
Very reasonable and reliable
H
Hannah GreenmanReasonable and reliable
Case studies
Real results for real clients.
Declines, defaults, no deposit, or simply a better deal than the bank. Here's how recent clients got the right result.
Business Ute Finance
Declined twice through the dealership. Approved with a tier 1 lender.
Commercial refrigeration mechanic, running his own business
2Declines through the dealer
Tier 1Non bank lender approval
ABNSelf employed trade business
01
The challenge
The dealership had already submitted his ute finance application twice, and both times it came back declined.
02
What we did
He reached out to Hayden, who reviewed his business and situation and found a lender suited to it.
The result
Approved with a tier 1 non bank lender, after two declines through the dealer.
Business Van Finance
A $12k default removed. $60k approved with no deposit.
Business owner with a $12,000 default on his credit file
$12kDefault removed, not paid
$60kApproved, no deposit or financials
$0Left owing on his old vehicle
01
The challenge
A $12,000 default on his credit file was standing in the way, and he had no deposit and no financials to provide.
02
What we did
Hayden worked through the default with him and got it removed, without him having to pay the $12,000. Through our sourcing partners, the van was found at a cheaper price than the dealer, with a trade in price that covered his existing loan.
The result
$60,000 of van finance approved with no deposit and no financials, and his old loan cleared by the trade in.
Vehicle Finance
Quoted by his bank. Over $300 a month cheaper with Fund 360.
Client buying a Chevrolet Silverado 2500
$300+Saved per month vs the bank
$3.6K+Saved per year
2500Silverado financed
01
The challenge
He'd been quoted by his bank to finance a Chevrolet Silverado 2500.
02
What we did
He filled in the quote form and Hayden got in touch, reviewed his situation and compared lenders to beat the bank's offer.
The result
Beat the bank by over $300 a month on his Silverado 2500.
Been declined or told it's too hard? Every situation is different, so let's talk it through.
Yes. Private sale finance is available, though lenders usually run extra checks such as confirming the seller owns the vehicle and whether there's any finance owing on it. If there is, that's fine. Hayden handles the process for you, paying out the seller's loan at settlement so the vehicle comes to you clear.
02Do I need a deposit?
Not always. Some lenders offer no deposit options for well qualified applicants, while others may ask for a deposit depending on your situation and the vehicle.
03Can I get pre approval before I find the car?
Yes. Pre approval lets you shop knowing your budget, and helps you move quickly once you find the right vehicle.
04Can I finance a ute through my business?
Yes. If the ute is mainly for business use, a chattel mortgage on your ABN is a common option. Speak with your accountant about how it suits your tax position.
05What is a novated lease?
A novated lease is an agreement between you, your employer and a finance provider. Your employer pays the lease, and depending on the provider, running costs such as fuel, servicing, rego and insurance, out of your salary, with part of it coming from your pre tax income. Eligible electric vehicles may also qualify for extra tax savings. Your employer needs to offer salary packaging, and it's worth getting tax advice on how it suits your situation.
