Finding the right car finance shouldn’t be complicated. Whether you’re buying your first car, upgrading to a newer model, or need business vehicle finance, we’re here to help you explore car finance options, secure competitive rates, flexible loan options, and terms that work for your budget.
Get behind the wheel sooner with car finance tailored to you. Whether you’re purchasing your first car, replacing your current vehicle, or expanding your business fleet, Avara Finance takes the stress out of finding the right loan.
Our finance specialists compare your application across a panel of 40+ lenders and bring back the car finance options that actually fit your budget, whether you’re buying your first car, upgrading, or financing a vehicle for your business.
No two car buyers are the same, so your finance shouldn’t be either. We arrange car finance that matches your needs.
With Avara Finance, secured car loans can include:
If a secured loan isn’t the right fit, we can also compare unsecured personal loan options. These can be ideal if you’re purchasing an older vehicle or simply prefer not to use your car as security.
An unsecured loan may suit if you:
Our finance specialists can help you determine which option best suits your circumstances.
Need finance for a work vehicle? Whether you’re buying a ute, van, truck, or expanding your fleet, we can arrange business vehicle finance tailored to your needs. Many business loans are structured as chattel mortgages, giving eligible businesses flexible repayment options designed around their cash flow.
Business vehicle finance can be suitable for:
Making the switch to an electric or hybrid vehicle? Several lenders on our panel offer competitive finance options for eligible new, demonstrator, and approved used EVs and plug-in hybrids.
Depending on the lender and vehicle, you may benefit from:
We’ll compare available offers and explain your options, so you can finance your new vehicle with confidence.
Already have a car loan? Refinancing could help reduce your repayments, secure a better interest rate, or access additional funds if your financial circumstances have changed.
Refinancing may be worth considering if:
Our specialists will compare refinance options across our lender panel to see if switching could save you money over the life of your loan.
Getting approved for car finance doesn’t have to be time-consuming or confusing. At Avara Finance, here’s how keep the process simple.
Share the loan amount, vehicle type and budget you’re working with. It takes a few minutes online or over the phone.
Your finance specialist checks your application against 40+ lenders instead of a single rate card.
We walk you through the options in plain English, including the comparison rate for each one, before you decide.
Once you approve, we arrange settlement directly with the dealer or private seller, getting behind the wheel as quickly as possible.
Applying for car finance is straightforward, and having a few key documents ready can make the process even faster. To help us assess your application, it’s helpful to have:
Getting pre-approved before you start shopping gives you greater confidence and puts you in a stronger position when it’s time to buy.
Our team can help you understand your borrowing capacity and compare pre-approval options across our panel, so you’re ready when the right car comes along.
There’s no need to wait weeks for an answer. Most applications receive a lending decision within 24 hours, with many approved the same day. Once you’re ready to proceed, we’ll coordinate settlement directly with the dealer or private seller, so you don’t have to manage the paperwork yourself.
Rather than being limited to a single bank, we compare your application across 40+ trusted Australian lenders to find loan options that suit your budget, goals, and financial circumstances.
We believe you should know exactly what you’re signing up for. Your finance specialist will explain your loan options in plain English, including interest rates, comparison rates, fees, and repayment terms, so you can make an informed decision with confidence.
Every borrower is different. That’s why we help tailor your loan with flexible repayment options and finance solutions for personal vehicles, business cars, electric vehicles, refinancing, and more.
For eligible secured car loans, there are no early repayment penalties, giving you the flexibility to pay off your loan sooner. Any establishment fees or lender charges are clearly explained upfront before you commit.
We’re here for more than just your approval. If your circumstances change, we’ll help you explore available hardship assistance with your lender, including payment deferrals or loan restructuring where eligible.
Managing your car loan is simple. Most of our lending partners provide secure online account access, allowing you to check your balance, make extra repayments, update your details, and download statements whenever it suits you.
There’s more than one way to finance a car. Here’s why clients choose Avara for their vehicle finance.
| What Matters To You | Avara Finance | Single Bank | Dealer Finance |
| Lenders compared per application | 40+ lenders | 1 lender | Limited panel |
| Personal finance specialist | Yes, throughout | Varies by branch | Sales-focused, time-pressured |
| Business & EV finance in one place | Yes | Often separate teams | Limited to vehicles on the lot |
| Comparison rate explained upfront | Yes | Yes, for that bank’s product only | Not always volunteered |
| Application effort | One application | One application, one option | Limited choice |
We regularly offer special rates and incentives for:
Conditions apply to all offers. Contact us for current rates and eligibility criteria.
One application, a panel of 40+ lenders, and a local finance specialist who explains it all.
A secured car loan uses the vehicle you’re purchasing as security, which typically allows lenders to offer lower interest rates, higher borrowing limits, and longer loan terms. An unsecured loan isn’t tied to the vehicle, making it a suitable option for some older cars or borrowers who don’t want to use the car as security, although interest rates are generally higher.
