A car loan should fit the car and your budget, not the other way round. Your Finance Specialist checks 50 plus lenders and shows you what you'd really pay. No mark on your credit file, and a lender only sees your file once you've picked them and said go.
90 seconds. No mark on your credit file. That rate is yours, not ours. The real ones come next.
Who this is for
Buying a new or demo car from a dealer and want finance sorted before you walk in
Buying a used car privately and need the seller paid quickly
Refinancing an existing car loan that no longer suits you
Self employed and worried about paperwork
Had a few credit bumps in the past and want an honest answer on where you stand
Know the car? We'll get you a better price on it.
For you or your business. Tell us the exact make, model and variant, and our wholesale team takes it to 400 plus dealers for fleet pricing on a retail sale. Already have a quote? We'll check it.
$6,500 off a new Nissan Warrior.
Kyle from Toowoomba.
It costs nothing. You still get the full tank, the bow and the floor mats. Who buys a car without floor mats? We'll deliver it to your home or your work.
New cars only. Savings vary by car and dealer.
Why people choose Better Money for this
50 plus lenders, one application
Banks, non banks and specialist lenders all through one application. Your Finance Specialist matches you to the lenders most likely to say yes on terms that suit you.
No mark on your credit file to get started
The 90 second application shows you your options first. A lender only sees your file once you've picked them and said go.
Dealer or private sale, we handle both
We organise payment to the dealer or the private seller, run the PPSR check on a used car and keep the settlement moving so you can pick up the keys.
Balloon and term options to shape the repayment
Fix the repayment to a weekly, fortnightly or monthly cycle. Add an optional balloon payment at the end of the term if you want to keep the regular repayment lower.
How it works
Complete the 90 second application. Your Finance Specialist calls you to confirm the details, compares your options across our lender panel and comes back with a recommendation. Once you accept, we collect the documents, organise the paperwork and settle the loan with the seller.
Straight answers
Does applying affect my credit score?+
No. The 90 second application leaves no mark on your credit file. A lender only sees your file once you've picked them and said go, and we only apply to one lender at a time.
Can I get a car loan with bad credit?+
Often, yes. Several lenders on our panel specialise in applicants with defaults, late payments or a past bankruptcy. The rate and terms will reflect the risk, and your Finance Specialist will tell you honestly what's realistic before you apply.
What fees are involved?+
Most car loans have an establishment fee and a monthly account fee set by the lender. Some lenders charge an early payout fee on fixed rate loans. We show you every fee in writing before you sign anything.
Can I buy a car from a private seller?+
Yes. We organise the PPSR check, confirm the seller details and pay the seller directly at settlement. The lender may ask for a roadworthy certificate or a valuation on older cars.
What is a balloon payment?+
A balloon is a lump sum left owing at the end of the loan. It lowers the regular repayment but you need to pay it out, refinance it or sell the car to cover it when the term ends.
Should I take dealer finance instead?+
Dealer finance can look attractive on the headline, but it's usually limited to one or two lenders. Having an approval from us in your pocket means you can compare like for like and negotiate on the car price, not the finance.
5.0 out of 5
283 verified Google reviews
Maxine at Better Money has been nothing but helpful. She guided me and was very supportive and accessible the whole way. If there were 100 stars I'd give her one hundred. This special person really looks after you and is so kind and understanding.
Very detailed process and fast to get the loan approved, quick fund transfer. Very good deal, even the car dealer had no words. Thanks for Lana's hard work overall.
Lana from Better Money was fantastic in helping me finance a Hilux through a private sale. My application wasn't the easiest to get approved, but she found a lender that offered great repayments and the exact terms I was after. She went above and beyond to get it done, especially after another broker had struggled. 10/10 would recommend Lana!
Purchasing a brand new vehicle is a huge undertaking. I'm delighted with my purchase of a 2026 Isuzu D-Max XTerrain, made only possible by the amazing work of my Financial Broker, Lana Wilson. Lana was kind, respectful, enthusiastic in helping me secure the best finance deal that suited my needs. She was extremely patient with me.
Special thanks to Jamie! He was an absolute gem. My family and I will be grateful for years to come. We were in much need of an upgrade and were looking across the internet for someone to help us get a loan and thank god we came across Jamie. He created a genuine connection with my family, provided a safe and transparent space and guided us well through the process.
George really went above and beyond for me! I've never even thought about comparing finance, but George really made it so easy and explained everything perfectly. He gave me so many different options, even for things I wouldn't even think of! Thank you George! You are one of the good ones, an absolute STAR!
Jamie is an absolute legend. The bloke is a no joke wizard. Finance at an unbeatable rate sorted on the Tuesday, brand new Prado picked up on the Friday. Can't recommend these guys enough. Thanks heaps mate.
I went through Jake at Better Money. Let's say easiest to work with, he was quick, good to have a chat, worked with everyone for a smooth outcome. Highly recommend.
I didn't think my car loan was going to happen. Thank you so much Jamie. Jamie kept in contact through the whole process and worked some magic. Thanks again!
Maxine and the Better Money team are exceptional brokers who provide dedicated, caring, and person-centred financial solutions. They deliver a fast turnaround and secure funds in an impressively short amount of time. I highly recommend them all. Their service was exceptional the first time around, which is why I chose them again.
I never thought that by filling out an inquiry form on Facebook would lead us to finding the most amazing broker ever. Dan was absolutely incredible. He was understanding, thorough, battled for us and got us our dream car. He dealt with my multitude of phone calls and texts, talked me through all the anxious moments, and saved us from so much paperwork and stress.
I cannot speak highly enough of the service I have received from Jamie Lendrum at Better Money. We have now used him to purchase 2 motorcycles and a car and the service is always top notch with excellent rates. Nothing is ever an issue, everything is completed quickly and efficiently with no stress for me.
I had an amazing experience organising finance for my new vehicle. Lana Wilson did an amazing job and guided me all the way through the process. She made it extremely quick, absolutely transparent and professional. Lana was brilliant on all our interactions and her friendliness made borrowing money enjoyable experience.
Lana was prompt and helpful throughout my personal loan application and a delight to interact with.
Lana was amazing to work with she was helpful understand and transparent. No question was to silly and she make the process absolutely painless. Thank you Lana your the best
I spoke to Eidan, amazing guy. Told him I needed the car asap, within 36 hrs they got the necessary changes and loan agreement done. Constant open communication and updates from him. Amazing service.
George was a great help. He guided me through the entire process, kept me in the loop and even had some hard conversations with the dealership when there was a communication error regarding delivery and paperwork! Awesome work! Happy customer!
I called randomly to see what finance would look like for a new car and 3 days later I've been approved and pick up on Monday, Lana was extremely easy to deal with and made the entire process very simple, would recommend to anybody 10/10
I was lucky to connect with Maxine. A true professional who knows the industry inside out, and has the best attitude. Nothing is a hassle, the smile is palpable over the phone. Gentle guidance and clear balanced presentation of the options makes the final decision easy. I'm more than happy to give my recommendation.
What a fantastic experience dealing with this business. Fast, efficient, effective and well informed agents, with constant and timely updates to assure the client of progress. A one stop shop for any loan requirements, and a shout out to Maxine for her warm and supportive service.
Picked up my car a couple weeks ago, Lana was a big help! Talked me through all options to get the best result. Even the seller (private sale) said she was great to deal with. Will use her again!
The whole process of getting a loan through Better Money was very easy and Jamie walked me through every step of the way and turned the loan round in under 24 hrs. Highly recommend them.
Jamie is an absolute legend! Made the whole process so easy. Kept me up to date. Genuinely wanted to help and cared. Cannot recommend highly enough and couldn't be happier with my purchase! This is the second car my family have purchased through Better Money and we would never buy a car another way. Thanks Jamie :)
Maxine was fantastic! She was incredibly patient, persistent and truly worked hard to get the best possible outcome for me. She made the whole process so much easier and was an absolute pleasure to deal with. I couldn't be more grateful to have had her in my corner. Highly recommend.
Couldn't recommend Jake at Better Money highly enough! Great service, communication and support from start to finish. He made the whole process of getting my new car easy and stress-free, and was always there when I needed him. Thanks again, Jake!
Where to start? Eidan has been a breeze to work with, I put in my enquiry on Thursday and we settled by Monday despite a public holiday and weekend. Swift and to the point with prompt information needed. Will definitely be coming back. Go Team Better Money with special credits to Eidan!
Eidan from Better Money was awesome to deal with. All questions answered quickly and easy to understand. Great with communication about what was happening. If you need money definitely look up Eidan.
Jamie was amazing! He has gotten me my dream car and really made my year! He is responsive, customer focused and great at what he does! He answered every question, and came up with a game plan when I felt overwhelmed.
Working with Jamie to secure my finance loan was an absolute breeze. He was professional, incredibly knowledgeable, and kept me informed every step of the way. Jamie made a process that can usually be quite stressful completely seamless and stress-free. Highly recommend.
