Finance Requirements

The information shown below outlines the typical requirements for our lenders and loan process.
 

Our lenders have loan products available to help most situations:
 

  • Applicants with previous credit or utility defaults
  • Applicants with casual employment or irregular pay
  • Discharged bankrupts
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Typical Lender Requirements

Employment
  • You must have an employment history for at least the last 6 months
  • Casual employees must be in their current job for at least 6 months
  • Employees on contract must have at least 12 months remaining on contract
  • Self employed applicants must have tax returns available for verification unless you qualify for a self declaration car loan

We are not limited to any particular finance company, so we can search for the lowest rate and best product available to you and help you to avoid any extra costs involved. We have access to a number of non-conforming lenders who understand that occasionally things go wrong and believe that people should be given a second chance.
 
 

Documentation Required-Consumer Finance (Clean Credit)
  • Copy of driver’s license – front and back
  • 2 recent pay slips if PAYG or 2010 tax return
  • Signed privacy document, which is emailed to you on application.
Documentation Required-Consumer Finance (2nd Chance Car Loans)
  • Most recent 3 months bank statements on all accounts
  • Rental Statement for past 6 months
  • 2 recent pay slips if PAYG or previous years tax return
  • Copy of driver’s license – front and back
  • Signed privacy document, which is emailed to you on application.