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KEY FEATURES

New Car Finance Benefits

  • 1. Wide Lender Options

    Compare finance offers from over 30 trusted lenders to find the right deal for your new car.

  • 2. Flexible Repayment Terms

    Choose from contract terms ranging from 1 to 7 years to fit your budget and financial situation.

  • 3. Custom Loan Amounts

    Loan amounts range from $1,500 to $500,000, allowing you to finance vehicles of various price ranges.

  • 4. Interest Rate Choices

    Select between fixed or variable interest rates to match your repayment preferences and risk tolerance.

  • 5. Business Tax Deduction

    Tax deduction is available when the vehicle is used for business purposes.

Asset Finance Calculator

Use our leasing or asset financing calculator to estimate your monthly repayments, loan terms, and interest rates. Get a clear picture of your finance options before applying for approval.

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INVESTMENT LOANS

Secured vs. Unsecured Car Loans

Choosing between a secured or unsecured car loan depends on your financial goals. Secured loans offer lower interest rates, while unsecured loans provide more flexibility.

Secured Car Loans

Your vehicle is used as security, leading to lower interest rates and cost savings over the loan term.

Unsecured Car Loans

No collateral is required, giving you more spending freedom, but interest rates are generally higher.

KEY FEATURES OF USED CAR FINANCE

Financing a used car is just as easy as financing a new one.

Flexible terms (1 to 7 years)

Fixed or variable rates

Cash/trade-in deposit

Tax-deductible for business

Why Choose US

Professional Guidance for Car Finance

Car finance can be overwhelming, but we make it easier for you. At Everrich Finance, we guide you through the process, answer all your questions, and connect you with a wide network of lenders across Australia to secure the most suitable deal for your needs.

Personalised Support

Our team is here to help at every step, ensuring you understand your options and make the right choice.

Customer Friendly Approach

We make the application process easier for you by saving you time and effort while securing the most favourable finance deal for your car.

Wide Lender Network

We work with a large panel of lenders across Australia to find competitive rates and flexible terms tailored to you.

Tailored Loan Options

Whether you need secured or unsecured finance, we match you with the right loan that fits your budget and goals.

We compare loans from a wide range of lenders

CORE ESSENTIALS

All you need to know about Car Loans

New car finance

New car finance is used to help buy a new car that’s generally less than two years old.
With secured car loans, the vehicle you buy is used as security against the finance. As a result, lenders will give you a more competitive interest rate – which can help save you money.
With unsecured car loans, you have more freedom on how you spend the money and no security is taken but as there is more risk for the lender, the rate is normally higher.

Why choose Everrich Finance to help with your car finance?

We know it can all be pretty confusing when it comes to getting finance for your new car. To sum it all, Everrich Finance can help you through the application process.
Our team will be there for you to answer any questions you might have, but also have a large network of lenders all over Australia we can tap into so you get the most affordable “new car finance deal” out there to suit your needs.

Features of new car finance

Speak to us today on (03) 9034 5223 or enquire online

Used car finance

Used car finance is used to help purchase a second-hand car.
With secured car loans, the vehicle you buy is used as security against the finance. As a result, lenders will give you a more competitive interest rate – which can help save you money.
With unsecured car loans, you have more freedom on how you spend the money and no security is taken but as there is more risk for the lender, the rate is normally higher.

How to finance a used car?

Financing a used car is just as easy as financing a new one. Let our team of experienced finance brokers help you get the most economical financing rates by comparing multiple lenders.

Features of used car finance?

Speak to us today on (03) 9034 5223 or enquire online

Green and electric car loans

What is a green car loan?

A green car loan is a type of car finance specifically for eco-friendly vehicles. Green car loans are different from standard car loans and will generally come with lower rates and fee waivers.

What cars are eligible for green car loans?

CAR FINANCING FAQs

Popular Car Loan Questions Answered

  • 1. What is new car finance?

    New car finance helps you purchase a new vehicle, typically less than two years old. You can choose between secured loans, where the vehicle is used as collateral for more affordable interest rates, or unsecured loans for more flexibility but with higher rates.

  • 2. How does used car finance work?

    Used car finance works similarly to new car finance, allowing you to buy a second-hand car with flexible repayment terms. You can opt for secured loans, which offer competitive interest rates, or unsecured loans for more freedom in spending.

  • 3. Can I get a loan for a green car?

    Yes, green car loans are specifically designed for eco-friendly vehicles such as pure electric, plug-in hybrid, and regenerative hybrid cars. These loans typically come with lower rates and additional fee waivers to promote sustainability.

  • 4. What features are available with car finance?

    Car finance offers features such as flexible contract terms (1 to 7 years), loan amounts from $1,500 to $500,000, and a choice of fixed or variable interest rates. You can also benefit from tax deductions if the vehicle is used for business purposes.

  • 5. How can I get the most affordable car loan rate?

    To get the most cost-effective car loan rate, compare options from multiple lenders, consider securing your loan with the car as collateral, and choose a loan with flexible repayment terms. Working with a broker can help you access the exclusive deals.

  • 6. What is the difference between secured and unsecured car loans?

    A secured car loan uses the vehicle as collateral, which results in lower interest rates. An unsecured loan doesn’t require collateral, offering more flexibility but generally comes with higher interest rates.

  • 7. How do I apply for car finance?

    To apply for car finance, choose a loan type (new, used, or green), gather necessary documents like proof of income, and submit your application to a lender or finance broker. The approval process is typically quick and straightforward.

  • 8. Can I use a trade-in as a deposit?

    Yes, you can use a trade-in vehicle as a deposit when financing a used car. This can reduce the amount you need to borrow and lower your monthly repayments.

Testimonials

Love from Clients

James and his team offered outstanding service for my needs. Their expertise and professionalism made the process incredibly smooth. They provided personalized guidance, ensuring I understood all my options. Their…

Kim-pan Lau
Property Investor

We applied for a home-loan for our investment property and were very happy with the assistance we received from Murray Kha at Everrich Finance Melbourne. His knowledge and attention to detail made…

Khyati Dedhia
Property Investor

When searching for a home loan you need to be able to rely on someone you can trust to be able to present all the options available and give you…

Shweta Himta
Property Investor

Find Out Your Car Loan Options Today

Unsure if you qualify? Let us assess your situation and explore the financing options available to you for your car loan.