CyberFinance car loans

Starting your search for a car loan can be daunting – there are lots of loan options to choose from and you may not know which one is best for your needs. This is where brokers such as CyberFinance can help.

CyberFinance assesses your situation and requirements and then works with you to find a lender that suits your needs. Its service comes at no cost to you as it is paid a commission by the lender you end up matched with.

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Name	Product	Interest Rate (p.a.)	Comp. Rate (p.a.)	Rate Type	Application Fee	Monthly Fee	Monthly Repayment
loans.com.au - New - Variable Rate Special Variable, 3 - 7 Years, $5,000 - $150,000		6.24% to 7.74%	7.36% to 8.85%	Variable	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
OurMoneyMarket New Car Loan Fixed, 1 - 7 Years, $2,001 - $75,000		6.57% to 18.99%	7.19% to 21.78%	Fixed	1.5% - 6% min.	$0	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
Stratton Finance New Car Loan Fixed, 1 - 7 Years, $10,000 - $300,000		6.52% to 18%	6.95% to 23%	Fixed	$395	$0	Monthly Repayment	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.	Go to site More Info	Compare	loading Fetching your data...
Verified Lending Used Car Loan Fixed, 1 - 7 Years, $10,000 - $200,000		7.1% to 18.99%	8.06% to 22.99%	Fixed	$395	$0	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
NRMA New Car Loan Fixed, 1 - 7 Years, $5,000 - $130,000		7.29% to 16.99%	8% to 17.77%	Fixed	$499	$0	Monthly Repayment	Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.79% p.a. and comparison rates from 6.49% p.a.)	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - New - Fixed Rate Special Fixed, 3 - 7 Years, $5,000 - $150,000		7.09% to 8.29%	8.21% to 9.1%	Fixed	$400	$8	Monthly Repayment	You'll receive a fixed rate of 7.09% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.	Go to site More Info	Compare	loading Fetching your data...
CarMoney New Car Loan Fixed, 18 Months - 7 Years, $5,000 - $150,000		6.89% to 15.09%	8% to 16.16%	Fixed	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed, 1 - 7 Years, $2,001 - $75,000		6.57% to 18.99%	7.19% to 21.78%	Fixed	1.5% - 6% min.	$0	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
NRMA Used Car Loan Fixed, 1 - 7 Years, $5,000 - $130,000		8.49% to 16.99%	9.21% to 17.77%	Fixed	$499	$0	Monthly Repayment	You'll receive a fixed rate from 8.49% p.a. Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - Variable Rate Used Car < 3 years Variable, 3 - 7 Years, $5,000 - $150,000		7.74% to 7.74%	8.85% to 8.99%	Variable	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
Stratton Finance Used Car Loan Fixed, 1 - 7 Years, $10,000 - $300,000		6.52% to 18%	6.95% to 23%	Fixed	$395	$0	Monthly Repayment	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - Variable Rate Used Car < 5 years Variable, 3 - 7 Years, $5,000 - $150,000		7.74% to 7.74%	8.85% to 8.99%	Variable	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
CarMoney Used Car Loan Fixed, 18 Months - 7 Years, $5,000 - $150,000		6.2% to 15.75%	6.71% to 16.18%	Fixed	$399	$0	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - Fixed Rate Used Car < 5 years Fixed, 3 - 7 Years, $5,000 - $150,000		8.29% to 9.49%	9.4% to 10.74%	Fixed	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - Fixed Rate Used Car Loan (6 to 7 years) Fixed, 3 - 7 Years, $5,000 - $150,000		9.09% to 10.29%	10.2% to 11.54%	Fixed	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...
loans.com.au - Fixed Rate Used Car Loan (8+ years) Fixed, 3 - 7 Years, $5,000 - $150,000		12.79% to 13.99%	13.9% to 15.24%	Fixed	$400	$8	Monthly Repayment	Go to site More Info	Compare	loading Fetching your data...

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What kind of financing can you apply for?

CyberFinance can help you find a range of loans and financing solutions. These include:

• Personal car finance. These are secured car loans from banks, credit unions, building societies and lenders who specialise in car loans.
• Chattel mortgage. This involves a financial institution taking out a mortgage over the car that you purchase. You would make repayments and have full use of the car, with the "mortgage" being removed when the loan and balloon payment is repaid in full.
• Hire purchase. This is similar to a chattel mortgage, except in this case the financier purchases the vehicle on your behalf and essentially hires it back to you until you repay the loan amount in full. You do not own the car, but have use of it, while you're repaying the loan.
• Novated lease. A novated lease involves you, your employer and a financier, with the loan repayments coming out of your pre-tax income. The responsibility of the payments is yours but it is your employer who makes the payments.

The benefits of applying for a car loan with CyberFinance

• Visibility. You're able to see the preliminary assessment that is drawn up by CyberFinance and the reasons it matched you with a lender. You can request this up to seven years after it helped you find a loan.
• Less work on your part. Using a car loan broker takes a lot of the work out of your hands. It will look at your needs and situation and find the best loan option for you without you having to spend time doing it yourself.
• Fast turnaround time. The application and financing process can be completed in as little as 24 hours.
• Free service. You will not pay any fees to use CyberFinance's services – it works by earning commission from lenders. If you are concerned about the effect of commission on their decision, remember you are entitled to see the reasoning behind their assessment.
• Car buying service. As a CyberFinance client you'll have complimentary access to its car buying service. You'll get a fleet discount, free delivery of your new car and a free tank of petrol on arrival.
• Dedicated consultant. You'll have your own consultant work with you throughout the application process. The consultant will handle everything from approval through to settlement of the loan.

What other products does CyberFinance offer?

Other than car loans, you can apply for the following products with CyberFinance:

• Comprehensive and Shortfall 'Gap' Insurance
• Loan Protection
• Extended Warranty

How you can apply with CyberFinance

Start your application by filling out the form above and clicking 'Do I qualify?'. If you do qualify, you'll be redirected to CyberFinance where you'll need to provide personal information for whoever is applying for the loan, details of the car, and information regarding your financial situation. It will compare its panel of lenders to find the right financing for you and then email your loan documents for signing.

CyberFinance can remove some of the hassle involved with applying for a car loan. If you're interested in a quick application and turnaround time, then consider letting CyberFinance help you get into your next car.