Car Finance and Leases with Loanworx Asset Finance

Buying a car is exciting — but the finance you choose matters just as much as the vehicle itself. Whether you are purchasing through a dealership, buying privately, or looking at a lease option, the right car finance can save you money, protect your credit file and give you more flexibility down the track.

At Loanworx Asset Finance, we help you compare car loans and leases from a wide panel of lenders, then structure the finance around your situation, not the other way around.

Why Drivers Choose Loanworx for Car Finance

Most people only arrange car finance a handful of times in their lives, but lenders and dealers deal with it every day — and they tend to structure offers in their own favour. At Loanworx, our job is to sit on your side of the table.

We take the time to understand how you plan to use the car, whether it is for personal or business purposes, how quickly you need the funds and what sort of repayment you are comfortable with. From there, we look across a wide panel of car loan and lease providers to find an option that balances rate, fees, flexibility and approval speed, so you can buy with confidence.

What We Do Differently With Car Loans and Leases

Dealer finance can be convenient, but it is not always the most competitive or flexible option. Going direct to multiple lenders can also mean repeated applications, which may unnecessarily impact your credit score.

With Loanworx Asset Finance, you have a specialist in your corner. We:

Access a broad panel of motor finance and personal loan lenders
Match you with lenders that suit your credit profile and circumstances
Handle the car finance application process from start to finish
Aim to get funds released quickly — in some cases within 24 hours of approval
Arrange short-term unsecured loans where appropriate, often with access to funds within around seven days and minimal paperwork

Whether you are borrowing $5,000 for a reliable second-hand runabout or $250,000 for a high-end vehicle, you get the same professional, consistent service from our team.

Is It the Right Time to Arrange Your Car Finance?

It may be worth looking at car finance options if you are about to commit to a vehicle purchase, have been offered dealer finance you are unsure about, or have had a previous application knocked back and do not want to damage your credit file further. It can also make sense to speak to us before you start test driving, so you know your realistic budget and whether a car loan, lease or other structure suits you best.

If you are replacing a car that is no longer reliable, upgrading for family or business reasons, or finally in a position to buy the vehicle you really want, getting the finance sorted properly can help you focus on choosing the right car, not worrying about how to pay for it.

Why Getting Your Car Finance Pre-Approved Helps

Having your car finance pre-approved before you shake hands on a deal gives you a clear price range, makes negotiations easier and reduces the risk of rushing into expensive or inflexible dealer finance at the last minute. When we organise pre-approval, you know where you stand with lenders, roughly what your repayments will be and how quickly funds can be released once you find the right vehicle. That means less pressure in the showroom and more confidence that the numbers actually work for you.

Things You Should Know About Car Loans and Leases

Potential Benefits:

Tailor car finance to suit personal or business use
Compare car loans and leases to find a structure that fits your needs
Protect your credit rating with a targeted application, rather than multiple hits
Access funds quickly so you do not miss out on the right car
Choose from a range of terms and repayment options to suit your budget

Things to Watch:

Dealer finance offers that look sharp on the surface but cost more overall
Fees, early payout costs and the real total cost of the loan or lease
The impact of multiple applications on your credit file
Choosing terms that are too long or too short for how long you will keep the car
Understanding ownership and end-of-term conditions with leases and novated leases

We will walk you through these points in simple language, so you know exactly what you are signing up for before you commit.

Our Car Loan and Lease Lender Panel

For car finance, it makes a difference to have more than one option on the table. Loanworx Asset Finance works with:

Major banks and second-tier lenders
Specialist car finance providers
Personal loan lenders who can assist in specific situations

Because we can compare across this panel, we are able to balance rate, fees, approval speed and flexibility, rather than having to accept whatever a single lender offers.

How Car Finance Works With Loanworx

Step 1 – Talk About Your Plans

We start with a quick chat about the car you are looking at, whether it is for private or business use, how soon you need it and what sort of repayment you are comfortable with.

Step 2 – Match With Lenders and Products

We review your credit profile and circumstances, then shortlist car finance options that suit — whether that is a standard car loan, a lease or, in some cases, a short-term unsecured loan.

Step 3 – Application and Approval

Once you choose a direction, we prepare and lodge the application on your behalf, helping you supply the right information first time so we can avoid unnecessary delays.

Step 4 – Settlement and Drive-Away

After approval, we help coordinate settlement so funds are available to pay the dealer or private seller. In some cases, funds can be available within 24 hours of approval, so you can pick up your new car sooner.

Speak with a Loanworx Asset Finance Specialist

Frequently Asked Questions

Is dealer finance always a bad idea?

Not always, but it is not always the most competitive or flexible option either. It is worth comparing dealer finance with independent car finance options before you decide.

Can I get car finance if I am self-employed?

Yes, many lenders will work with self-employed applicants, though they may require different documentation. We will help you understand what is needed and which lenders are likely to be a good fit.

Will applying for multiple car loans hurt my credit score?

Multiple applications in a short period can impact your credit file. One advantage of working with Loanworx is that we target lenders who suit your situation, instead of lodging random applications.

Do you only finance new cars?

No. We can assist with both new and used car finance, whether you are buying from a dealer or a private seller, subject to lender criteria.

What is the minimum and maximum amount I can borrow?

As a guide, we regularly help clients with amounts from around $5,000 for a basic second-hand vehicle up to $250,000 or more for prestige cars, subject to approval and lender policies.

Ready to Arrange Your Car Finance with Loanworx?

If you are planning to buy your next car — or have already found the right one and need finance sorted quickly — now is a good time to talk to Loanworx Asset Finance about your car finance options.

Call us on 1300 562 696 and a member of our team will be in touch.

Here to support you on your financial journey.

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Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.