Secured loans use the car as collateral, offering lower rates (typically 2-4% less than unsecured). Unsecured loans don't require the vehicle as security but charge higher rates. We recommend secured unless you're buying a very old car.

Yes. Self-employed borrowers typically need 1-2 years of tax returns or recent BAS statements. Some lenders are more flexible—we match you with the right one.

Typically 10-20% of the vehicle price. Some lenders offer 100% finance (no deposit), but rates are higher. Larger deposits reduce your interest costs significantly.

Most car loans allow extra repayments and early payouts, but some charge break fees (typically $200-$700). We prioritize loans with no or low early exit fees if flexibility matters to you.

LRBA allows your SMSF to borrow for property via a bare trust structure, ensuring lender recourse is limited to the property itself (not your entire super fund). Only certain lenders offer SMSF loans, and compliance is strict—we handle the complexity.

A balloon payment is a lump sum due at the end of your loan term (e.g., 30% of the car's value). It reduces monthly repayments but requires you to refinance, trade-in, or pay cash at maturity. We explain pros and cons clearly.

Your employer leases the car and deducts payments from your pre-tax salary, reducing taxable income. At lease end, you can pay the residual, refinance, or return the car. It's tax-effective but requires employer participation.

Dealers earn commissions from finance companies, so "matching" often comes with conditions or hidden fees. We provide independent comparisons so you can verify any dealer claims.