Car & vehicle finance that actually makes sense.
Whether it's a new car for yourself, a ute for work, or a vehicle for your business — we'll help you find the right finance with the right structure, minus the bank jargon.
We make the process simple, fast, and built around what you really need.
We take the guesswork out of getting finance — so you can get on with what matters.
- Personal and business vehicle finance
- Cars, utes, trucks, vans, and more
- Flexible loan terms and repayment options
- Access to a wide range of lenders
- Fast turnaround times and real human help
How It Works (Simple as 1-2-3)
Who can apply?
Personal
- 18+ and Australian resident
- Employed (including FIFO/shift) or self-employed
- Recent payslips or 90 days bank statements
Business (ABN)
- ABN/ACN (new or established)
- Only need recent business bank statements — no full financials
- Fast approvals, even for newer businesses
FIFO & Shift Workers
- Rostered or site-based income considered
- Overtime and loadings included
- We understand your schedules and how lenders assess them
Self-Employed & Contractors
- Sole traders, partnerships, companies, or trusts
- Bank-statement only options available — no tax returns or BAS required
- Streamlined process designed for busy business owners
What Our Clients Say
Car & Vehicle Finance — FAQs
New car finance usually comes with sharper rates and longer loan terms, since new vehicles pose less risk to lenders. Used car finance often has slightly higher rates, but the loan size is smaller because the vehicle costs less. Both options can be tailored to suit your budget and goals.
Your borrowing limit depends on things like your income, credit history, existing debts, and the value of the vehicle. Lenders generally set a maximum loan amount based on a percentage of the car’s value, and your broker will help you find a structure that fits comfortably within your budget.
In most cases, approval can be turned around within 24 to 48 hours once all your documents are in. Timing varies between lenders and the type of application, but with a broker’s help, it’s usually a smooth and quick process.
Yes — many lenders allow early repayment, often with minimal or no fees. Always check your loan terms first, as early payout conditions differ between lenders. Paying it out early can help you save on interest if managed correctly.
It depends on how you use the vehicle. If it’s mostly for business, you might benefit from tax deductions or GST credits through a business loan. If it’s for private or mixed use, a personal car loan might be more suitable. Your broker can help weigh up both options.
Yes. ABN holders — whether sole traders, contractors or business owners — can access a range of vehicle finance options, including chattel mortgages and leases. Lenders assess your business income and structure the loan to suit your cash flow and GST position.
Most new and used cars, utes, vans, trucks, and light commercial vehicles are eligible. Some lenders also finance specialist or fit-for-purpose vehicles depending on your industry and business needs.
A balloon or residual payment is a lump sum due at the end of your loan. It reduces your regular repayments but means you’ll have a larger payment to make at the end — which you can pay, refinance, or trade in the vehicle to cover. It’s a handy way to manage cash flow, especially for business buyers.
Car loan interest is generally fixed for the loan term, meaning your repayments stay the same each month. Some lenders offer variable rates, which can fluctuate over time. The rate you’re offered depends on your credit profile, loan amount, and vehicle type.
Typically, you’ll need ID, recent payslips or business income statements, and basic vehicle details (make, model, year, purchase price). Some lenders may ask for bank statements or proof of insurance. Having these ready upfront speeds up approval.
Connect With Us
Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance,
or fill the following form. We will contact you back within 12 hours or prior.
