ELECTRIC VEHICE FINANCEYou can finance the full purchase of your electric vehicle (up to $300,000) starting with $0 deposit (subject to eligibility criteria)GET A QUOTE NOW!NEW & USED CAR FINANCEWhether you’re buying new from a dealership or used from a private seller, we can help finance your next car!GET A QUOTE NOW!SECOND CHANCE FINANCEIf you’ve had previous bad credit history or are currently in a Part 9 agreement, we may have a finance option for you.GET A QUOTE NOW!ABN HOLDER FINANCEFrom sole traders looking for a single work ute to corporate businesses needing a fleet of cars, if you hold an ABN there are ABN loan options available. Check out our commercial page for more information.AM I ELIGIBLE?
WHY CHOOSE US?
-
rate discounts for Electric Vehicles
Go eco-friendly with our green & EV car loans. We compare over 30 lenders with a choice of fixed or variable interest rates.
-
New or used cars
We can assist with finance for both new and used cars from anywhere within Australia.
Whether you are purchasing a used car from the Private market or from a Dealership we will find you a suitable loan to work with your budget.
-
Bad Credit Options
Bad stuff in life happens & we have lenders who understand this & are willing to offer you a Second Chance loan.
If you are back on track with your finances & need to get you back on the road, talk to our finance specialists today about our second chance loan options.
-
Special deals for abn holders
If you are an ABN holder, you might have access to special interest rates available using our commercial finance, including low doc finance.
Check out our Commercial Finance page or find out what you are eligible for by talking our commercial team on 07 5629 9109.
-
Fast approvals for most applicants
If you have found a car and need an approval fast, we have same day loan approvals available!
Get funded within 3 hours of application using our fast-track option* (*you must meet the minimum requirement for an auto approval).
-
fast personal customer service
The team at Falcon Finance understands that not everyone has the time to wait for a call back.
Therefore, we have several communications in place & can guarantee that you will talk to a real member of our team, fast!
We also provide out-of-office numbers that allow you to contact us outside of business hours for any urgent updates. Please go to our Contact Page for more details.
Chat with our team about financing your next car
Be 18 years of age or older
Be a permanent Resident or citizen
Earn an income of $30,000+ gross
BE EMPLOYED OR SELF-EMPLOYED FROM JUST 1 MONTH*
*All applications for finance are subject to the financial institution’s approval criteria. Terms and conditions are available on the application. Fees and charges apply.
FREQUENTLY ASKED QUESTIONS
Q: How do I take out a car loan?
A: We have online & over the phone applications available to get the ball rolling!
Once we have received an application, the first stage of the car loan process is to find out how much you can borrow, what you can afford and if this provides the funds your need to purchase your ideal car.
A finance specialist will quickly assess your basic information and financial circumstances before arranging a finance pre-approval on your behalf to ensure we meet your needs & requirements for the loan.
Once you are happy with the proposed loan structure (term, amount, interest rate etc) your application will be submitted to the selected leader for Settlement of the Loan. When the loan ‘Settles’ the money will be transferred to the vehicle seller (private or dealership) and the car is yours!
Q: How do car loans work?
A: A car loan is a type of loan for the specific purpose of buying a new or used vehicle often referred to as a “secured loan”.
When you take out a car loan, you borrow an agreed amount of money (loan amount) from a financier (lender) for a set period of time (loan term) that you agree to repay in set scheduled repayments to suit your budget.
Loan repayments are calculated based on paying back the amount borrowed, interest and any fees charged within the loan. The interest rate you pay is largely determined by the lender based on a number of factors including the age and value of the car you are seeking to buy. Your dedicated finance broker will assess the lenders criteria to ensure your circumstances are suitable to proceed.
Car Finance is generally available as either a secured loan or an unsecured loan. This will depend on if you agree to use the car you are buying as security on the loan, or what options are available to you.
If you proceed with a secured loan, it reduces the risk to the lender in the event you are unable to meet your repayments or financial commitments of the loan. This reduced risk to the lender often means they can offer a lower interest rate or more favourable terms.
We will guide you on the most suitable option available when it comes to deciding between a secured vs unsecured loan.
Q: What is the minimum or maximum I can borrow with a car loan?
A: There is no ‘concrete’ limit for how much you can borrow with a car loan. Each lender has different minimum and maximum loan amounts, but mostly the limit is determined on a case-by-case basis depending on your choice of car, type of loan and your financial circumstances.
As a general guide, many Australian lenders have a minimum borrowing amount of $5,000 & in more rare circumstances we can provide loans from $2000.
In some cases, you may not be able to borrow the full amount of the vehicles purchase price, but will be required to provide a portion of the car price via a deposit. For Secured Loans, you generally cannot borrow more than the total value of the asset used as security on the loan.
WHAT OUR CUSTOMERS SAY
Anmol Sharma★★★★★
Excellent customer service. “Bec” from falcon finance was absolutely amazing throughout the entire process. She goes above and beyond for her clients.Refinanced my loan with best low interest rate around. Would highly recommend the services and would use again in the future
Nick Andjelkovic★★★★★
Shaun is fantastic! Falcon finance secured a great rate and were upfront about all fees and charges. They are really responsive to text or email, they keep you very well informed during the process, can’t recommend them enough.
Karen Hanzic★★★★★
Shaun and the Falcon Finance team are very professional, a great service, kept us informed the whole way through the loan application. Your go to person for home loans and finance! Thanks so much Shaun!
Jayden Beard★★★★★
My partner and I financed our first car together through Shaun. His customer service and communication skills are excellent and he has two very happy and appreciative customers. We would both highly recommend choosing Shaun from Falcon finance. 10/10 experience.
Leanne Nelson★★★★★
Falcon Finance sorted out a loan for us quickly and efficiently. Easy to deal with and offered a fast approval process.
Adam Dalton★★★★★
Shawn and the staff and Falcon Finance have made getting Finance simple and easy, this is the 2nd time we have gone through him and it’s always a pleasure dealing with his Company. Can recommend Falcon Finance. 5 stars