New and Used Auto Financing

We use our access to Australia’s major banks to source just the right auto financing for your budget, needs and lifestyle.

Let’s go!

Personal auto financing

Sourcing funding for a car upgrade or replacement can be tricky. Let Simply Finance do the hard work for you. Whether you need more space to fit the kids, added storage in your boot or a bigger 4×4 for extra carrying power, our auto financing packages will get you there. With extensive experience, knowledge and a network of reputable Australian lenders, you’ll find yourself with a custom auto finance package as soon as you need it. From new families to auto financing for pensioners, we’re serious about securing great rates for everyone.

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Get your financing done faster

Once we’ve done the paperwork you should be ready to go.

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New and used auto financing

Find the best value for your loan.

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One-on-one services

Have your questions answered by a local professional finance consultant.

How does auto financing work?

The process of getting used auto financing is quick, easy, and painless.

Compiling documents, filling out lengthy forms, juggling your budget? Who likes that complicated stuff? We’ve made our auto financing simple to understand. Our Car Loan Calculator will get you an accurate, personalised quote in just a few minutes thanks to its advanced AI technology.

All you need is a few basic details about yourself and the car you want finance for, the system will do the rest. If you’re still not sure, contact our experienced consultants and they’ll walk you through the process step by step

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New auto financing

If you want a brand new car, these secure auto financing are a little bit different. Have you bought used cars for years and now want to spoil yourself with the latest model?

Have you saved up some money for this but need a little bit more? Simply Finance also has a car broking service if you’d like some extra help. 


Visit our website for more information on how you can get a new car loan and drive away with the top down and the wind in your hair.

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Used auto financing

People who need cars to get from A to B, or something reliable to get the kids to school, or pick them up from basketball, people like this require a good used car.

You don’t need something big and flashy. We understand you might think a used car might not be as reliable as a brand new car, but Simply Finance has a protection service for you, so you can feel safe and secure.


Speak to one of our trained specialists to help you find the best used car for you and your budget.



What is the auto financing process?

Our aim is to make your journey hassle-free, and that includes dealing with car finance. Over the years, our experts have built a large network of trusted sources across Australia, allowing us access to a wide range of flexible auto financing options. We always fight hard to get our customers the best, tailor-made loans for their situation, whether it’s personal or business. In fact, our rates are so good we often beat out the four big banks.

Many people get bogged down in comparing rates and tightening budgets, but why should you have to do the heavy lifting? We live for this stuff.
Our process is quick and simple – you can do it online or contact us directly; we’d love to hear from you. Even if you’re not sure about what funds you need for your auto financing, our trusted consultants are here to help you every step of the way, from choosing the right loan option to building a repayment plan that works for you.

How long is typical auto financing?

The terms of our auto financing is flexible depending on your needs and how much you’re willing to spend. You can grab a consumer loan with terms of 1 to 7 years, with fixed or flexible interest rates.

Look at your financial situation. Do you need longer to pay off the loan, or can you pay it off sooner and save money on interest?

Simply Finance will endeavour to get you the best loan for your situation. We’re here to go in to bat for you. Not only do we make the process simple but we negotiate the best outcome with our lenders on your behalf.

What are the benefits of auto financing?

The benefits of getting auto financing can be the car itself. The loan is good for your budget too. You can have a budgeted cash flow thanks to fixed interest rates. You can budget for the life of the loan, knowing exactly what you will be paying with the option to pay it out early.

If you get the right kind of loan, you can claim part of your car loan back on tax, making it even cheaper for you.

How long does it take to pay off auto financing?

You can choose how long you want to take to repay your loan, from between 2-7 years. The longer the loan repayment period the lower your weekly or monthly payments will be. However, you will be making more payments and end up spending more in the long run due to interest.

Talk to our experts to find the right time length for you and how you can pay back effectively and easily.

What is a balloon payment?

A balloon payment is a one-off lump sum that you agree to pay the lender at the end of your loan term. It is called a balloon payment because it is generally a more “inflated” payment compared to the rest of your payments. Balloon payments are a great way to reduce your repayments and improve cash flow. However, at the end of your loan term your will still owe the lender a lump sum.

You have three options at the end of your loan term when your balloon becomes due;

  • Pay the balloon in one final payment
  • Refinance the balloon over a agreed term with the lender
  • Sell/upgrade your car which we could either include your equity or negative equity in your new loan

Which loan is best for you?

Secure, stable, reliable

Taking out a secured loan gives you faster approval and a lower interest rate. Your car will be used as a security guarantee against your financing, increasing your lender’s confidence. You can also choose an unsecured personal loan, which lets you borrow a sum of money with zero assets attached. One of our experts will talk you through your options and help you to make the best decision.

  • Fixed interest rates and regularly scheduled repayments
  • Flexible loan lengths ranging from one to seven years
  • Loans start from $4,000
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Secure, stable, reliable

A personal loan can give you the funds you need to pay for the make and model you have in mind. If you’re on the hunt for competitive rates, flexible terms that suit you and your budget, and a steady repayment schedule, a personal loan is a great option for you. Your car can be used as security to reduce your interest rate and repayment amounts.

  • Flexible funding for the car of your dreams
  • Competitive rates
  • Secure your loan for a reduced interest rate

Flexible, secure and scheduled

If you’re using your car for business purposes then a chattel mortgage is a great option. Under a chattel mortgage, your chosen lender buys your car, then registers a mortgage, sets a fixed interest rate and organises an ongoing repayment agreement with you. And because you’re using your car for business, you’ll benefit from tax-deductible interest charges and depreciation.

Find out more about business use loans here.

  • Fixed interest rate
  • Flexible loan lengths ranging from one to seven years
  • Residual value or balloon repayments available
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Looking for another type of loan?

Simply Finance can help you with a range of other loans too.

We have many types of business loans available and personal loans for you too.

Click on through, read about our loans and then give us a call on 1300 115 263 and speak to a friendly Simply Finance staff member.

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Let’s talk loans. Send us a message and we’ll get right back to you.