our finance team are here to help you get a better deal. whether you’re upgrading into a new car or looking at buying a used vehicle for business, we make sure you get the perfect plan for less. our in-depth knowledge of industry financing means you get more from your dollar.
car loan australia
Your journey towards owning your dream car starts here. At Fingo, we understand that a car is more than just a mode of transport—it’s an extension of your aspirations, a symbol of your achievements, and a partner in your daily adventures. With Fingo’s Car Loans, turn your driving dreams into reality. Our car loan calculator offers the clarity you need to make an informed choice.
why choose fingo for car loan finance?
at Fingo, we believe that securing a car loan should be a journey of excitement and not stress. drawing upon years of industry expertise and a deep understanding of our clients’ aspirations, we’ve crafted a car loan finance experience that’s unparalleled in its commitment to simplicity, transparency, and personalised service. here’s why Fingo stands out as your ideal partner on the road to car ownership:
- tailored to your needs: everyone’s financial journey is unique. our customisable car loans ensure you get a package that perfectly fits your circumstances and desires.
- competitive interest rates: at Fingo, we strive to offer competitive rates, ensuring that your dream car doesn’t remain just a dream.
- swift approval process: we value your time. experience hassle-free and prompt loan approvals, so you can hit the road sooner.
- flexible repayment options: life is unpredictable. with our flexible repayment plans, you can choose what works best for you, ensuring peace of mind.
easy steps to your car loan with fingo
embarking on the path to your dream car with Fingo is not just about finance; it’s about experiencing simplicity at every turn. we’ve distilled the car loan process into a series of easy-to-follow steps, ensuring that from selection to ignition, your journey remains smooth and enjoyable. dive in and discover how Fingo transforms the car loan experience.
- choose your car: begin by selecting the car that best suits your needs and lifestyle. whether it’s a compact for city commutes or an SUV for weekend getaways, your choice sets the foundation.
- apply online: fill in our simple online application form. provide the necessary documentation and details, and let our team take care of the rest.
- get approval: our dedicated team reviews your application swiftly, ensuring you receive a prompt response.
- drive away: once approved, finalise your loan details, complete the paperwork, and drive away in your dream car.
car loan rates
car loan rates vary based on factors like the loan term, interest rate, and the vehicle’s value. With our solutions, you can get the best novated car loan rates.
frequently asked questions
what documents do I need to apply for a car loan with Fingo?
to process your car loan application swiftly, we typically require proof of identity, proof of income, details about the vehicle you're looking to finance, and possibly some additional financial documentation. however, requirements can vary, so it's always a good idea to check our detailed documentation list or get in touch with our team.
how long does the approval process take?
at Fingo, we pride ourselves on our swift and efficient service. while approval times can vary based on individual circumstances, many of our clients receive loan approvals within 24-48 hours of submitting all necessary documentation.
do I need to provide a down payment?
the necessity and amount of a deposit can vary based on the loan type and your financial situation. while some loans might require a deposit, others may offer 100% financing for car loan repayments. discuss your preferences and circumstances with our team to get a clearer picture.
how do Fingo's car loan rates compare to other providers?
we strive to offer competitive interest rates to our clients. our car loan rates are determined based on several factors, including market conditions, your credit history, and the loan duration. rest assured, with Fingo, you're getting a fair and transparent deal.
can I refinance an existing car loan through Fingo?
yes! if you're looking to benefit from better interest rates or more favourable terms, our team at Fingo can guide you through the refinancing process to potentially save you money or offer more flexibility.
are there any hidden fees or charges?
at Fingo, transparency is paramount. all fees, charges, and terms will be clearly detailed in your loan agreement. we encourage all our clients to read through the agreement thoroughly and raise any queries they might have.
still have questions? we’re here to help! contact our expert Fingo team for personalised assistance and guidance on your car loan journey.
over 20,000 happy customers and counting
save thousands on your car loan with fingo finance
most people think about getting the best finance deal at the start of the loan. we believe that too! but we also believe in saving you money in the event you want to terminate your loan.
wider range of lenders
taxbreak is fingo’s newest car finance product that is specifically designed to manage and maximise tax savings for business use customers. this is a package that can be fully maintained taking into account all your monthly running costs, and adding them along with your finance payment. we then provide access to monthly tax deductions for you but helping you claim back depreciation, interest and your business use running costs.
optimum vehicle replacement policy
if you want the flexibility to change your car before the term ends, we’ll keep you updated on when you can replace your vehicle without any out of pocket costs. we manage your cars ideal time to be replaced and offer timely advice on when to trade or sell your car.
taxbreak
taxbreak is fingo’s newest car finance product that is specifically designed to manage and maximise tax savings for business use customers. this is a package that can be fully maintained taking into account all your monthly running costs, and adding them along with your finance payment. we then provide access to monthly tax deductions for you but helping you claim back depreciation, interest and your business use running costs.
the fingo difference, unparalleled buying power
get a bonus 5-15% discount off retail pricing on new cars
pay less for your car
we work with fleet departments of every car manufacturer, and have access to fleet discounts above and beyond the regular retail discount available.
car quote comparisons
keep the dealer honest by getting a comparison quote on your car. the most common trap in the market is to only go get one price. our dedicated fleet team has the experience to deal with all the common dealer traps and ensure you get the best price available on your new car.
access to fleet discounts
even if you are purchasing a single car, we have exclusive access to better rates with our national purchasing power from purchasing thousands of vehicles every year.
best new price guarantee
we promise to get the best price on your new car or we’ll provide you with free window tinting at $495.00 when we order the vehicle.
our own lmct & trade services
we have our own lmct & inhouse trade team to provide free trade valuations on your current vehicle, and even provide you with market leading trade prices on your current car.
expert negotiators working for you
20 years industry experience goes into our negotiating with dealers. we don’t settle until we receive the best possible discount & trade in price for you.
car finance, whatever your situation
individual
john’s a full time sales person for a real estate agency. he travels for work, and uses his car for more than 50% business use. john has a car allowance of $10,000 per year which he utilises to pay for his loan payment as well as all his running costs. john brought a brand new mazda cx5 gt and was able to claim depreciation on the vehicle as well as 50% of his running costs.
sole trader
ben runs his own painting business. he is self-employed, trading under his own name and wants to buy a van for work. he’s registered for gst and makes $90k pa but he doesn’t have his tax return up to date, but was still able to get approved under our low doc product. ben was able to buy a brand new toyota hiace, with all the extras he wanted at a discounted price.
company
sharon has her own it consulting business. her company is a pty ltd and she is looking at buying a car under her company name for her to drive. her company is looking at maximising the taxation benefits from this car purchase, and under our taxsmart product we were able to show he how to get tax savings of $3500 per year by claiming depreciation, gst, interest and her running costs.